What If I Start Smoking After Life Insurance? 
Nothing will happen if you start smoking after getting a life insurance policy . As long as you were forthcoming about smoking on your life insurance application , your policy will stay intact . If you ever allow the policy to lapse , you will need to get a new policy at smoker rates ; it would not be reinstated at nonsmoker rates . But if you convert it to permanent someday , that will also be at nonsmoker rates . 