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Lie. After all, if you check "yes," all you're saying is, at this point in time, you don't smoke. Who's to say you didn't start after you filled out the form? Nobody.
I've been in fights with insurance companies. My wife spent two years trying to get an insurance company to pay a claim for a benefit she was legally entitled to. I once told an insurance company that I'd seen a chiropractor a couple of times, and they disallowed any claims having to do with the back for years, even thought it had nothing to do with the chiropractic issue. I had to fight, and even then I didn't get everything.
Insurance companies aren't straight with you, and they're in the position of power. So defend yourself. It's not a matter of truth or lie. It's protecting yourself against a big bully.
Other than that, how old are you? How long do you expect to have this insurance? If you're young, odds are slim that, even under worst-case scenario, you will have any tobacco-related issues in the time you're with them. Especially since your usage is so small.
It may sound like I'm advocating unethical behavior. But what I'm really advocating is your personal survival in an unfair system that you have to rely on but which is not really constructed for your benefit.
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