Readers Question From Grand Island Nebraska.

Grand Island, Nebraska is a city in Hall County. Grand Island is home to the Nebraska Law Enforcement Training Center (NLETC) which is the sole agency responsible for training law enforcement officers throughout the state, as well as the Southern Power District serving southern Nebraska.

Every mid-September is the Husker Harvest Days. This is a show of the latest farm techniques and equipment. According to superstition it will always rain during Husker Harvest Days. Grand Island recently acquired the rights to host the State Fair. The state fair will still be in Lincoln until 2009. In 2010 Grand Island will begin hosting the State Fair.

Marilyn, thank you for asking. Start by asking 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 incontestibility 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.