Term Insurance query for non-smoker
I have one doubt related to Term Insurance.
Please need your input on that.
I have a term insurance, while taking it I opted for non-smoker, non-drinker, because I do it very rarely and occasionally.
Will this impact my term insurance? If yes, how ?
I spoke to them while taking, they told me that you can go for non-smoker/drinker, even if you start drinking later, it will not impact your term insurance, which I believe is utter nonsense.