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How to answer Smoker/Non-Smoker question in Term Life Insurance?
I've been advising my brother for his term life purchase. We're confused as to how we choose the "Smoking" scenario. He's smoked for the last 9 yrs (32year old). He's quit since the last 1.5 yrs, almost fully. Might be smoking a stick here or there in a month or two. How should we DECLARE THIS AND how should we CHOOSE BETWEEN SMOKER/NON SMOKER?
Is there a way that the Insurer too can ascertain his smoking status, so as to help end this conundrum (Looking at ICICI, Max)