My father passed suddenly last week, nearly a month after taking out a $10,000 insurance policy. Just a couple quick questions.
1) We made the call and are getting a claim form. They have already stated there will be an investigation. The family had previously already decided on NO autopsy and the coroner signed off on the death. Is the investigation prompted because of the short amount of time between inception of insurance and his death?
2) He was listed in the policy as a 'non-smoker'. Dad had smoked in early years and occasionally but at the time of signing he had quit smoking....how is it viewed by insurance companies when a person has smoked most of their lives but near the end quit? It seems confusing as to how long a person must NOT smoke to be considered a 'non-smoker'?
Thanks in advance for any guidance you might be able to offer or any general advice on the claims process as it pertains to our specific circumstances.