<prompt> Human: Not sure if this belongs here, but I will try. I just got a quote from Met Life for 30.99month for 20 years, for 250,000.. I am a 31 year old, excellent health.. but I told them I was a former smoker and I think that upped my rate. If I go to a different company trying to get a cheaper quote, do I have to disclose that I am a former smoker at all? Is there anyway they would know or care? Thanks in advance.  <response>: It depends on their fine print, of what they consider a smoker.If they ask: Are you a former smoker? Then youd have to say yes.If they have any kind of fine print regarding smoking that states, if you have smoked in the past year, you are okay, then you wouldnt have to disclose it. But I really have no idea how those things are written, Im sure they are very clear about it though. 