Bankers Life Quote/question

I need a quote for 20k for a 66 year old female tobacco user and one as non tobacco also.

I have a policy being replaced by Bankers which never happens. The last listened to me and called me when she received her Bankers policy. She said that the agent said Bankers doesn't ask about tobacco so that's why it is cheaper than mine. I am to remember they may not ask but am concerned. She is healthy with no medications.
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