There is a probationary period from the date that the policy is sold and accepted. If the applicant lied on the insurance form and dies during that period, the insurance company investigates (they always do, to my knowledge, when there is a death), and finds the lie, the company is obligated to pay ONLY the premiums paid to the date of death. If the insured dies as a smoker AFTER the probationary period, my experience in reading TONS of policies is that the company has to pay the full benefit.Smoking vs. Non-smokingI am not an expert on all companies life policies, so you might ask your agent or company about your policy specifically. However, what typically happens is that if you have had a policy with the rate of a non-smoker for more than two years and need to file a claim, and the insurance company discovers that you are and have been a smoker, the company may take part of the death benefit to pay the difference in back premium between a smoker and non-smoker. So, in essence, the death benefit will be smaller to pay the back smoker premiums. The reason two years makes a difference is because the incontestability clause may play a part in how the death benefit is paid or not-paid. In this case, it may not play a role. I would ask either a company representative anonymously or maybe even your agent.More input from FAQ Farmers:There is legal precedent here. New York Life denied a claim in Pennsylvania when they showed that the decedent insured lied about his smoking habit on the application. The estate of the decedent asked that the benefit be reduced to that which would have been purchased by the premium under a smokers rate. The insurance company refused, pointing out that they must rely on the truthfulness of statements made on the application, and permitting decedents to benefit unfairly, with no risk to themselves, causes the price of insurance coverage to increase for everyone else. I should not have to pay a higher premium because of others dishonesty. The judge found in favor of the insurance company, and the company refunded the premiums paid to the estate of the decedent.The issue is one of misrepresentation on the application. An insurance has the right to rely upon the material representations made by a prospective insured on the application, and does not have an obligation to independently investigate their veracity. The representations, including health history, habits, and activities have a bearing upon the risk that that the insurer is assuming when it issues the policy and the premium that it charges. Naturally, the same factors would not apply to all types of policies (for example, smoking would not be an issue for an auto policy).
How long does it take to smoke chicken breasts at 225?
-
Also, for smoking whole chicken, if you set your smoker to 225-250 degrees, estimate the cook time to be about 40-50 minutes per pound. Once you take it out of the smoker, smoked chicken will continue to cook, something called carryover cooking.
-
Insert the probe into the thickest part of your chicken, and set the digital thermometer to 165°F. Hot Tip: When your chicken reaches 165°F, the smoker will stop cooking and turn on warm mode. Set your smoker to 250°F. Cook time will vary based on the size of the bird, but we estimate about 30 to 45 minutes per pound.
Beside above, how long does it take to cook chicken breast at 250 degrees? 425F for 14-17 minutes depending on size. I know thats an odd time but my awesome mother got it down to a science. Nothing worse than an over-cooked chicken breast. Cover them and let them rest for at least 10 minutes.
Then, how long should I smoked split chicken breasts?
Place the grill rack with the seasoned chicken breasts on it inside the smoker. Insert the attached probe thermometer in the thickest portion of one of the breasts. Close the lid and smoke for approximately 1-1/2 to 2 hours. At 1-1/2 hours, check the internal temperature of the meat with the thermometer.
How long should chicken be smoked?
Smoke for 3.5-4.5 hours or until a thermometer inserted into the thickest part of the thigh reads 165 degrees F. You will need to replenish wood chips during the cook time, so keep an eye on your smoker. Remove the chicken from the smoker and let it rest for 10 minutes. Place the chicken on a platter.
What is discussplaces?
This page shows discussions around "How long does it take to smoke chicken breasts at 225?"
