[PeteSB75]

I would not call them. If you are going through a broker, most people do, talk to him about it. Remember that you are stating your physical health/state at the time of the policy writing.

Things will obviously change, like you could take up cigar smoking.They will likely require a blood/CO2 test to check if you smoke, so don't for at least a month before that happens.

Once the policy is written, it's a different question, as they can't take it away based on an increase in risk factors, or we'd all lose out getting older (biggest risk factor of all).