Hello Diganto,

You can take a policy at non-smoker rates, however, to apply for the same, the number of years/months after you quit will be different for different insurance companies. Most insurance companies define this in their proposal forms.

A similar question has already been answered here. You can check it out for more clarity.

How to answer Smoker/Non-Smoker questions in Term Life Insurance? | Beshak Forum

Thanks!