what I don't understand here, let's assume you pass the physical, then later die because of tobacco related illness, even though I doubt you have to worry about it from cigars, but let's assume for a moment it happens. Can't the insurance company then renage on its agreement because you violated the terms of the contract? Meaning you smoked cigars and had a non smoking policy. I get damn phone solicitors constantly at work plugging insurance, and easy to get rid of them, as they start out saying blah blah blah and non smoking, boom I tell them I smoke cigars and off they go. In fact I find it funny, to get rid of solictors I will tell them the most ridiculous things. They ask questions often with an obvious answer, then give their pitch, so I screw them up and give them a completely opposite answer and ends that call. But I digress. If I were you, I would say the hell with that, ten days could kill you anyway! Find a more tobacco friendly company, in the free market they are out there, I even hears advertisements providing low insurance rates for social smokers. And what the hell, the insurance company expects to refrain from booze as well? Does this place only insure monks?