Smoker/Non-Smoker in Term insurance
I am asking this question out of curiosity.
While purchasing the term insurance, a person is a non-smoker but lets say after a month of purchasing, that person starts smoking. And later down the line he dies because of cancer then will the insurance company liable to pay the claim?
How should a person proceed in this case, whether he should inform the insurance company about smoking and increase the premium and if he tells the insurance company about smoking will the premium remain same or change?
Thanks in advance :)