Answer: We all know that smokers pay more for life insurance premiums. However, your premium rate was established at the start of your policy, based on the facts in place at the time.
Your insurance company would have been able to contest payment if you died within the two years after signing your policy. This contestability period commonly allows insurance companies to check facts surrounding your death. For instance, death from smoking related health issues, like lung cancer or COPD, may justify an insurance company to withhold payment on a non-smoker’s policy.
In your case, the two years have passed. You’ve come along way, baby. The insurance company made their deal ten years ago, when you were a non-smoker. Sure, you took up smoking later, but, your policy remains safe.