Cigars & Life-Insurance... some real issues

[Zanaspus]

I sold insurance a long time ago in a galaxy far-far away. My first call would be to you state bureau of insurance. THEY are the true arbiters of what qualifies as misrepresentation and the statutes on it. Should you find there is a finite statute on misrepresentation (which is what you did, like it or not. Please don't flame me, it's the truth), then relax. If there is no finite statute on misrepresentation, I would shop for a company who does not consider cigar smoking as smoking in the normal sense.

Again, no disrespect, and I don't mean for this to get hot and heavy, but if you smoke cigars and answer "no" to a smoking question, it's just a legal fact.