Does smoking affect life insurance?

Smokers provide a bigger risk to insurance companies than non-smokers do since smokers are more likely to suffer from chronic health problems and pass away at an early age. So, smokers’ premiums for their life insurance plans will be higher.

For further information on how smoking might affect your life insurance premiums, please refer to the following:

What kind of surcharge will I face while purchasing insurance coverage if I light up?

Premiums might be 40% to 100% more for smokers than non-smokers because of the greater risk involved.

Throughout the last year, I have smoked barely a handful of cigarettes. Should I still label myself as a smoker?

Yes. Scientists have shown that those who smoke sometimes are more likely to start smoking regularly.

Is excluding the fact that I smoke from my application a problem?

You may not get death benefits if you falsify your application and later die from a smoking-related illness like heart disease or cancer. If you have to have a medical check before becoming insured, the insurance company can test your urine for nicotine regardless of whether you have said you smoke.

What can I do to end this?

Everyone responds differently to strategies. For some people, quitting takes many attempts. The goal is to experiment with different approaches until you discover one that works.

Is there any insurance policy for smoking? 

Yes, you can take home insurance. This is the best solution for smokers.