La póliza deberá contener una cláusula al efecto de que de hallarse que el asegurado ha declarado su clasificación de fumador incorrectamente o de manera contraria a los hechos, al momento de hacer la declaración, la póliza puede proveer durante los primeros dos (2) años de la misma para un ajuste hecho por una declaración falsa de clasificación de fumador, proveyendo que la cantidad pagadera a la muerte deberá ser la cantidad de beneficio que la prima hubiese comprado, tomando en consideración la clasificación de fumador.
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