Smoker gets approved as a non smoker !?

[WinoBlues]

sounds like every client should be written as a non smoker.. lol a little

Or many agents should not be.

 

[Thomas Mead]

The most likely "Best Case" scenario is a denial of the claim with a refund of premium and not being paid as if it was rated as a smoker with a lower face value if they die during the contestable period with a discovery of their material misstatement.