Update regarding drinking & smoking in policy

[gaurav_gupta]

If at the time of taking the policy you were not smoking or drinking and started lately then no need to provide any detail. Otherwise you had provided wrong details at the time of proposal, which need updation.

So it means i don't need to declare about smoking and drinking. Am i right?

Another question is that I am planning to take one new term policy from LIC. Agent told me that no need to declare about smoking and drinking if you smoke 2 or 3 cigrattess. So it is fine if I am not going to declare about smoking in form. Otherwise there might be possibility if my application reject.

[Aman]

Another question is that I am planning to take one new term policy from LIC. Agent told me that no need to declare about smoking and drinking if you smoke 2 or 3 cigrattess. So it is fine if I am not going to declare about smoking in form. Otherwise there might be possibility if my application reject.

Why you want to submit wrong info?
The main reason to buy life insurance is to cover yourself from future risks and get claim, which may be denied if you submit wrong info at the time of application.