Smokers & Term Insurance – Truth You Can’t Ignore! | Kapil Jain | Enrichwise
Rewrite Can a smoker get term insurance in India?
Yes ✅ …but here’s what you need to know 👇
📌 Who is considered a smoker?
1. Anyone who used tobacco in the last 12 months (cigarettes, beedis, chewing tobacco, etc.).
📌 Impact on premium
1. Premiums can be up to 2x higher than non-smokers.
2. With health conditions like diabetes, insurers may add extra loading.
📌 Why full disclosure matters
1. Hiding your smoking habit = claim rejection risk.
2. Always declare truthfully, even if you start smoking after policy purchase (inform at renewal).
📌 How to lower premiums?
1. Quit smoking for at least 1 year before applying → lower risk category → reduced premiums.
✨ Key Takeaway:
1. Being honest protects your family. Quitting helps your health and your pocket.
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