LIC Policy : Started taking tobacco - should I reinstate my policy?

I have bought a LIC policy and since 2004, I am paying all my premium regularly. In 2008, due to some personal financial issues, I had stopped paying the premium. So my policy had lapsed, because the grace period was only one month. Recently I have checked with LIC and they told me that I need to under go for medical checkups to reinstate the policy. During the medical check-up, doctor asked me, "Do you take tobacco?". I said yes. Now LIC said that they could not continue this policy. Please suggest me. Should I reinstate this policy?

Thank you
Moneywise

As the LIC underwriter had said to you that you could not continue this policy. You need to buy another plan and don't forgot to disclose the tobacco disclosure.

Quote:

---

Originally Posted by PolicyWala

As the LIC underwriter had said to you that you could not continue this policy. You need to buy another plan and don't forgot to disclose the tobacco disclosure.

---

But why can't I reinstate my old policy?