Always tell the truth when applying for life insurance.

Your rates are based on your truthful answers to the application form for your coverage.

When you lie, you are misrepresenting your risk to the insurance company. This is a form of fraud.

The life insurance policy comes with an "Incontestable Clause" that usually lasts for two years. Meaning the insurance company has at least two years after you buy the policy to contest any claim if you die and you lied on the application.

Also, depending on the amount of coverage, you will have to take a physical and blood test that should verify whether you have nicotine in your system.

The bottom-line is this - don't lie on the application. You can go back a year or two after your husband stops smoking and ask for the insurance company to consider re-rating his policy based on non-smoking.

Make sure to consider several smoker term life insurance quotes from several insurers to find the best rate. You can compare free quotes at https://www.efinancial.com/smartquoteefc.aspx?source=389-707 You fill out one form and they give you up to 12 instant quotes from top-rated insurers.

I hope that helps! Best of luck to you.