Term Insurance Plans for Smokers

At the outset, let it be established that there is nothing good about smoking. On the contrary, it creates severe health problems for the smoker. With every successive cigarette, the lungs are coated in tar and the nicotine dulls all the senses. It suppresses appetite, leading to weight loss. Soon, the smoker develops respiratory and throat problems, while falling ill often. Thus, there are several negative impacts of smoking.

However, the habit is extremely addictive and smokers find it difficult to quit. Some smokers quit only when they are diagnosed with throat or lung cancer! Everybody knows that smoking reduces a person's life span and results in serious diseases. Thus, smoking is an open invitation to disease and death.

In the world of insurance, a 'smoker' is typically defined as a person who uses tobacco products. This includes not just cigarettes, but also cigars, beedis, hookah, chewing tobacco, snuff, or any other form of tobacco. Some insurers may even classify vapers and e-cigarette users as smokers, given the health risks associated with these products.

While the definition of a smoker might seem straightforward, insurance companies often dive deeper and categorise smokers based on frequency and quantity, as this helps them assess the risk profile more accurately.

• Smoker Status:
  Usually, insurers classify individuals into one of the three categories: non-smoker, smoker, and preferred smoker.
• Non-Smoker:
  A non-smoker is a person who has not used any tobacco products for a specified period, typically at least a year before applying for term insurance.


• Smoker:
  Any individual who uses tobacco products, irrespective of frequency or quantity, falls into the smoker category.


• Preferred Smoker:
  Some insurers have a preferred smoker category for individuals who smoke but are otherwise in excellent health. The exact criteria for this category can vary by insurer.


• Frequency of Smoking:
  Insurers might also classify smokers based on the frequency of smoking:
• Regular Smokers:
  These are individuals who smoke daily. They represent a higher risk for insurers due to the consistent exposure to tobacco.


• Occasional Smokers:
  These are individuals who smoke less frequently, such as weekly or monthly. While they are still considered smokers, their risk level may be deemed slightly lower than regular smokers.


• Quantity of Smoking:
  Insurers may also consider the quantity of smoking:
• Heavy Smokers:
  These individuals smoke a significant number of cigarettes (or equivalent) each day. The specific number can vary by insurer.


• Light Smokers:
  These individuals smoke fewer cigarettes per day. They might be considered less risky than heavy smokers, but they still fall into the smoker category.



It's crucial to be honest about your smoking habits when applying for term insurance. Providing false information might lead to rejection of the policy or denial of claims later on, defeating the very purpose of buying insurance. The exact criteria and impact of smoking on premiums can vary by insurer, so it's advisable to compare different policies and read the terms and conditions carefully

Term insurance works fundamentally the same for smokers as it does for non-smokers, but with some significant differences, mainly in terms of premium rates and the underwriting process. Here's how a term insurance policy works for smokers:

• Higher Premiums:
  Smokers typically pay higher premiums for term insurance compared to non-smokers. This is because smoking is associated with a higher risk of health complications and mortality, which increases the risk for the insurer. The exact increase can vary by insurer, but it can be significantly higher, sometimes even double the rates for non-smokers.


• Underwriting Process:
  When you apply for term insurance, you go through a process called underwriting, where the insurance company assesses your risk profile. As part of this process, you will be asked about your smoking habits. You need to provide accurate information about the frequency and quantity of your smoking. Some insurers may even require a medical exam that includes tests for nicotine.


• Smoking Cessation:
  If you quit smoking, you might be able to get your premiums reduced. The exact requirements can vary by insurer, but typically, you need to have quit smoking for at least one or two years before you can be reclassified as a non-smoker.


• Policy Terms and Benefits:
  Aside from the higher premiums, the policy terms and benefits are generally the same for smokers and non-smokers. If the insured person passes away during the policy term, the death benefit is paid out to the nominees.


• Disclosure:
  It's critically important to be honest about your smoking status when you apply for term insurance. If you do not disclose that you are a smoker and it is later discovered, the insurer can deny a claim, or in some cases, cancel the policy.

In summary, while being a smoker does not disqualify you from getting term insurance, it does affect the cost and the underwriting process. Therefore, it's always advisable to compare different insurers to get the best rates for cancer insurance for smokers and consider quitting smoking not just to lower insurance costs, but also to improve your overall health.

Yes, smoking does significantly affect your term insurance premium rates. Here’s what you should understand before buying the best term plan for smokers.

Insurers assess risk based on various factors, including lifestyle habits, and smoking is viewed as a high-risk habit due to its association with numerous health conditions such as cancer, cardiovascular diseases, respiratory diseases, among others. These health risks increase the likelihood of the insurer having to pay out a claim, and this increased risk is reflected in higher premiums for smokers.

The premium for smokers can be substantially higher than that for non-smokers. In some cases, the premiums can be almost double. The exact increase varies by insurer and also depends on factors such as the individual's age, the frequency and quantity of smoking, and the individual's overall health.

It's important to note that 'smoker' rates typically apply to anyone who uses tobacco or nicotine products, including cigarettes, cigars, chewing tobacco, and sometimes even e-cigarettes or nicotine replacement products.

In the application process, you will be asked to disclose your smoking habits. It's critical to answer these questions honestly, as failure to disclose that you are a smoker can lead to the denial of a claim or the cancellation of your policy. However, if you quit smoking and maintain a tobacco-free lifestyle for a significant period (typically at least 1-2 years), you might be eligible for non-smoker rates, though this varies by insurer.

In conclusion, while smoking does lead to higher term insurance premiums, remember that the main purpose of term insurance is to provide financial protection for your loved ones in the event of your untimely demise. It's better to pay higher premiums for the smoker term life insurance and have that coverage than to go without it. And, of course, the best way to reduce your premiums (and improve your health) is to quit smoking.

The eligibility criteria for term insurance plans for smokers are similar to those for non-smokers, with a few additional considerations. Here are the typical eligibility criteria for term insurance for smokers:

• Age:
  Most term insurance plans are available to individuals between the ages of 18 and 65, though this range may vary slightly by insurer.


• Health:
  Term insurance applicants typically have to go through a medical examination or provide a health declaration. Smokers may have to undergo additional testing, such as nicotine tests.


• Tobacco Use:
  Smokers are usually asked to disclose details about their tobacco use, including the type of tobacco product used, frequency of use, and how long they've been using it. This information is used to assess the risk and determine the premium rates.


• Occupation:
  Your occupation could influence the eligibility and premium rates. Occupations that are considered high-risk (like miners, pilots, etc.) may attract higher premium rates.


• Income:
  Many insurers require proof of income to ensure that the policyholder can afford the premiums. Your income can also limit the maximum coverage amount you can apply for.

It's crucial to provide honest and accurate information when applying for a term insurance plan, including details about your smoking habits. If you fail to disclose your smoker status or provide incorrect information, the insurer could deny a claim, or cancel the policy.

Remember, each insurer may have slightly different eligibility criteria, so it's a good idea to check the specifics with the insurer or read the policy documentation carefully when looking for smokers term life insurance. It's also beneficial to compare different insurers to find the best term plan that suits your needs.

• Quit smoking today. Every cigarette reduces the years of your life. This means that you end up reducing the time you can spend with your loved ones.


• Smoking endangers other people as well. The smoke from cigarettes is inhaled by others in your vicinity. This secondary smoke is as dangerous as the smoke you inhale, so your loved ones and friends are also in danger of developing several diseases.


• While trying to kick the habit, it is important to follow a doctor's advice on quitting. Some people try to quit abruptly, but this approach may not work. Instead, phasing out gradually will help the body better cope with the lack of nicotine.


• If you are concerned that your poor health will result in your premature passing, take proactive steps today. Invest in a good term plan in your name that will provide your loved ones with a large sum of money in the unfortunate event of your demise.


• Term plan insurance can be taken by every person that makes an income in India. However, smokers and those with pre-existing illnesses have to pay a higher premium than others when taking the plan.

Term insurance does not have a maturity benefit, only a death benefit. Hence, you cannot get back the premiums that you have paid.

Using a term plan calculator, you can find the sum assured and premium payable. This is a good tool to use when you do not wish to spend too much money on premiums. Term plans in India normally benefit those looking for high coverage amount at a low premium payment.