Plz sanswer both are question asap

Although the rates above are for a non-smoker, Dave is actually a social smoker. Because he only smokes occasionally, he would like to omit this information from his life insurance application. Advise Dave on this possible course of action. Why would he even be thinking of omitting this information? Should he? Why or why not?

The Sampsons are only investigating policies on Dave's life, as he is the family's breadwinner. Do you think they should also look into a life insurance policy on Sharon's life, even though she is not the breadwinner? Why or why not? (Consider what Sharon does provide to the family and how those contributions would be affected if she were to die).