I am looking to buy Aviva i-life term insurance plan, but am concerned about the smoking and alcohol questions on the online form. I am copying the same questions here -
(i) Do You Smoke / Consume Or Have You Ever Smoked/Consumed Cigar, Cigarettes, Beedies Or Any Other Tobacco Products (Pan Masala Etc.)?
(ii) Have You Ever Sought Or Been Given Medical Advice To Reduce/Abstain From Smoking/Tobacco Consumption?
(i) Do You Take Or Have You Ever Taken Alcohol?
(ii) Have You Ever Sought Or Been Given Medical Advice To Reduce The Level of/Abstain Drinking?
Now, I am a non-smoker and non-drinker but have tried only once smoke and drink that too neglegible quantity and years ago. Also am not smoking or drinking now, however, in future if I require to smoke or drink socially and occationally, will this raise a problem while claim?
Considering the above and to ensure there is no increase of premium after medical test and no problem should arise while claim in case I smoke or dring soclially in future, should I say I am non-smoker or smoker?