[darkleeroy]

I'm not sure where I heard it (might be the interview with my own life insurance I had) but some life insurance companies consider people who smoke more than 2 cigars a year as smokers, so you should ask your own company beforehand.

Ultimately this is something you get to ensure the well-being of your those remaining loved ones, you kinda don't wanna screw it up. The goal of an insurance company is to come up with a way to deny your claim.