[wayner123]

I could have went with another insurance agency. ( I hear prudential doesn't consider cigars to be "smoking"), but in the end I went with the company I was more comfortable with. It almost doubled my premiums but IMO it is worth it to keep smoking cigars and to have the added relief.

However, on most plans you aren't required to tell them when you start a new hobby, or smoking etc. And most have a period that after you have been enrolled for XX amount of time, they can't deny coverage for any reason. (mine was 2 years). So unless the agency is coming to test you every year or so, which is VERY rare, you "could" be safe. But is it worth it for your family's sake?