However, if you die, the insurance company would review the cause of death to determine why you died. If you died as a result of smoking, they may review your life insurance application and physical exam results to determine if you lied on the application.
If you die within 2 years of buying your life insurance, and lied on the application about smoking, they may consider it a material misrepresentation, and try to deny the claim.
However, if you had not smoked before buying the life insurance policy, it shouldn't be a problem.
Here's how you can learn about life insurance for cigar smokers and find out which companies may offer the best rates.