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Can you lie on an app about smoking? HOw can they prove when you started or stopped? What are the consequences?
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What if they catch it 5 years later? Can they charge you the whole 5 years?
I thought that for fraud there was no time limit.no....2 year non-contestability clause.....
I thought that for fraud there was no time limit.
Just have the applicant be truthful and you won't have that problem...