When I was asked that question for my life insurance policy, I told them I smoked about once a week, cigars only. The lady made note of it, then specifically told me that she could still get me the non smokers policy price, as long as my blood and urine showed clean of nicotine. I quit for about 3 weeks, and about a week after the test, I was paying the non smokers rate, and was truthful about everything.
Scott
Scott