Life insurance

Mr Chan buy life  insurance on April 2008, during the time he buy the insurance , insurer ask Mr Chan whether he is health and he is non smoker and non- alcoholic ? He answer he is non-smoker and non-alcoholic .In 2 month later  , Mr Chan become a smoker and after he bought the insurance due to the failure in business . After  4 month Mr Chan involve  in car accident and dead  . In this case ,whether a not  Mr Chan family  entire to the  compensation for the life insurance ?

In this case, Mr Chan family not fraud from no to provide disclose information which is material  , this because Mr.tong involve in smoking and drinking after  he buy the insurance . According to rules of insurance  , Mr.tong have 6 month period to updated he personal info to the insurance company . so in this case, Mr tong no fraud  for  non-disclose information which is consider material or late update he personal information . So M r Chan family still entitle for this compensation under life insurance .