Life Insurance Non-Smoker Rates

Some two months ago, you purchased a $100,000 life insurance policy. You have been a andquot;Smokerandquot;, but at the time you purchased this life insurance policy, you had not smoked a cigarette in over two years. Due to the length of time since you last smoked, the insurance company gave you their best insurance rate and issued your life insurance policy as a andquot;Non-Smokerandquot;. Last week, when you stopped at your local andquot;Quick Martandquot; for gas, you just decided to buy a pack of cigarettes. Now, you are back up to your andquot;pack and a halfandquot; smoking habit. Here's the question: Would you contact your insurance agent or company and tell them that they will have to increase your insurance premium because you are now a andquot;Smokerandquot;? If andquot;YESandquot;, why? If andquot;NOandquot;, why not?