Term Life Insurance Plans For Smokers vs Non-Smokers - Kotak Life

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term Plan

Protect Your family’s financial future with Kotak e-Term Plan. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more

Kotak Health Shield

Insurance against medical expenses related to heart, brain, liver and Cancer. Know more

Term Life Insurance Plan for Smokers vs Non-Smokers

Term Life Insurance Plan for Smokers vs Non-Smokers
  • 10th Mar 2021 |
  • 2,485

One of the biggest myths in finance and insurance is that smoker cannot avail the benefits of life insurance. Contrary to this popular belief,life insurance.

companies offer life insurance to smokers with a different set of terms and conditions than non-smokers. While smoking can be injurious to your health, it can also make you churn out extra money to buy a term life insurance. Let us see how:

How Insurers Define Smokers?

According to life insurance providers, a smoker is an individual who consumes tobacco or nicotine in any form. The said individual might consume tobacco/nicotine in the form of cigarette, gutka, bidi, pan masala, etc.

life insurance providers have different ways to ask an individual whether or not he smokes. Some of the most common questions posed by them are:

  • Do you consume any nicotine/tobacco product?
  • When was the last time you did smoking?
  • How many cigarettes do you smoke in a day?
  • How frequently do you smoke?

It is also common for insurance companies to ask for your past medical records as a routine part for life insurance applications.

How Insurers Categorise Smokers and Non-Smokers?

Insurance companies categorise policy buyers into the below four categories:

  • Non-smoker: Does not smoke at all
  • Preferred Smoker: Smokes and is healthy and fit
  • Typical Smoker: Smokes and has minor health issues
  • Table-rate Smoker: Smokes and has visible health issues due to the smoking

Both smokers, as well as non-smokers, are eligible for term life insurance. However, smokers’ classification into different categories enables insurance companies to decide the premium amount for various individuals depending upon their smoking habit. Generally, the premium amount paid by smokers is higher than non-smokers.

Buy Term Plan Now

Why Smokers Pay Higher Premium Charge Than Non-Smokers

Smoking can lead to chronic ailments such as lung cancer, heart diseases and bronchitis. Thus, smokers are at a higher risk of being infected by such diseases and have a lower life expectancy ratio as compared to non-smokers. The risk of life is a key deciding factor while calculating the premium of term insurance. Because of lower life expectancy, smokers pay a higher premium charge than non-smokers.

Smoker vs Non-Smoker: Which Term Plan to Choose?

If you are a chain smoker with a heavy smoking habit, it would be advisable for you to choose a term life insurance plan which offers a large sum assured at a nominal premium charge such as Kotak e-Term Plan which would be an economical way to provide an adequate level of financial protection to your family in case of your unfortunate demise tomorrow.

If you are a complete non-smoker, we are glad you chose to keep yourself healthy. Nevertheless, it is never a bad idea to secure the life of yours and your loved ones with a term life insurance plan. Even though we would keep ourselves away from harmful habits of smoking and maintain the best diet, we are bound to fall in the health complication trap someday. Hence, it would be best to stay prepared for tomorrow’s uncertainties with a reliable term life insurance from Kotak life insurance.


Whether a smoker or not, we would advise you always to be honest with your insurer while purchasing a term life insurance plan. It would enable your term insurance provider to find the best term policy with the ideal premium charges for you based on your smoking habits and health conditions.

Kotak e-Term Plan

Download Brochure


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


Browse our library of resources

- A Consumer Education Initiative series by Kotak Life

Similar Articles

Do Beneficiaries Pay Taxes on Term Insurance?

Can I Extend the Tenure of My Term Insurance Plan?

Tax Benefits of Term Insurance in India

Is Term Life Insurance Plan an Investment or Expense?

Why Premium Amount for Term Insurance is So Low?

Make Your Online Term Plan Your Family's Monthly Pay Cheque

Term Insurance: What Happens When You Don’t Pay Your Premiums?

4 Reasons Why You Need Critical Illness Cover

10-Year Term Life Insurance Policy - Explained in Detail

What Happens to Term Insurance Plan With No Beneficiary - Kotak Life

What Happens if you Hide Facts in your Term Insurance?

What Should Be The Duration Of Your Term Plan in India?

How to Ensure That Your Term Insurance Claims Are Never Rejected?

What Is a Renewable Term Insurance Policy?

6 Types of Death not covered in Term Insurance Plan

What is a short term insurance policy?

Online vs Offline Term Insurance: Which Is The Better Option To Buy

Planning For Son or Daughter's Wedding

What Are Insurance Riders and How to Choose Them in a Term Plan?

What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

Importance of Term Insurance at Every Stage of Your Life

Can I Buy Term Insurance for a COVID-19 Patient?

6 Reasons That Make Term Insurance a Must Buy

कोविड -19 बूस्टर खुराक के दुष्प्रभाव

Buying A Term Insurance? Don't Ignore the Claims Settlement Ratio

Different Types of Premium in Term Insurance

Advantages & Disadvantages of Term Insurance in India

Insuring Against Accidents with an Accidental Death Insurance Rider

How Much Cover Should I Take In A Term Plan?

Why Buying a Term Plan Is Smarter Than Traditional Life Insurance Products

How To Calculate The Amount Of Term Life Insurance You Need?

Which Death Type Does Your Term Plan Not Cover?

Why Married People Should Buy Term Insurance Under MWP Act?

Protection for your family

How to Surrender Term Life Insurance When You Have No Liabilities?

Why Term Plan Should Be The First Step To Securing Your Future?

Can You Increase Your Term Insurance Cover?

What are the Documents Required for Term Insurance Plan?

How Does A Term Life Insurance Work in India?

Why Should New Parents Buy Term Life Insurance?

8 Things To Do After Buying Term Insurance

Why should single women purchase term life insurance?

Why is it important to buy term insurance plan?

Is Group Term Life Insurance Provided By Employer Sufficient?

Steps on How to Buy Term Insurance Online

Is a Term Insurance Policy Portable?

5 Term Insurance Benefits for Single Women

Make Your Online Term Plan Your Familys Monthly Payout

Ensure Protection Against Death, Disease & Disability With Life Insurance

9 Most Frequently Asked Questions on Term Insurance

5 Reasons to Buy Term Insurance When You are in Your 30s

Why Buy Term Insurance Even at Rising Rates?

Understanding Term Insurance Riders

What Is the Correct Age to Buy Term Insurance?

Everything About Claim Settlement Ratio for Term Insurance

Why Should You Not Take A Term Plan Without Medical Test in India?

What Are the Best Term Insurance Plans for Planning Retirement?

Should You Have Multiple Term Life Insurance Policies?

Gift Your Father A Term Insurance Plan This Father's Day

4 Things To Expect From Your Term Insurance Plan in India

5 Benefits of Early Retirement Planning

Key IRDAI Regulations That Changed Face Of Term Insurance Industry In 2020

Is it a Good Time to Buy Term Insurance During the COVID-19 Pandemic?

Is It Good To Buy A Term Insurance Plan In 2022?

How to Buy 1 Crore Life Insurance Policy Without Medical Test

5 Things To Consider While Buying Term Insurance Plan

9 Ways to Help Family Members in Financial Trouble

Insuring yourself against Ill Health with a Critical Illness Rider

Why Should You Add a Rider to a Term Insurance Plan?

Term Insurance: Smokers vs Non-Smokers

Term Plans are Definitely Cheaper than You Think!

Cost of Term Insurance Likely to Increase Soon

How Does Term Life Insurance Work? Learn the Benefits

8 Benefits of Term Insurance You Should Know

Why Term Insurance Is Important in times of COVID-19?

Key Differences Between Term Insurance, ULIPs, And Health Insurance

What is Form 16, Form 16 part A, Form 16 part B, Information Required and FAQs

Can Term Insurance Plans Be Purchased As A Gift?

Top 3 Reasons Why You Should Buy A Term Plan Now

Difference Between Term Insurance vs Life Insurance

How to Identify Term Insurance According to Your Needs?

Why Buy Term Insurance Plan With a High Cover?

Ideal Features of a Suitable Term Plan - Act Now for a Stress-free Future

Is term Insurance Needed for People With No Dependents?

Does Your Term Insurance Plan Cover Death Due to COVID-19?

How Much Term Life Insurance Cover Do I Need in India?

Tips to Choose the Right Term Period for Term Insurance Plan

Comparing Term Plans – What Should You Look Out For

Term Vs. Whole Life Insurance: Which One You Should Buy in India?

Is There Any Tax Benefit on Term Insurance?

What are incremental term insurance plans?

Different Types of Protection Plans

How Not To Get Your Term Insurance Claim Rejected

What is Term Insurance - A Complete Guide

Why Should You Buy Term Insurance in 2022?

Why does every working woman need life insurance?

Can A Housewife Buy a Term Insurance Plan - All You Need to Know

Term Insurance – Why You Must Include In Your Financial Planning?

Why 1 Cr Term Plan Is Necessary For Family?

What Is a Passive Income? Why Should You Use It to Buy a Term Plan?

Term Insurance: Most Common Term Insurance Myths Explained | Kotak Life

How Much Term Insurance Do I Need

How To Choose the Right Term Insurance Plan?

Term Plan with Spouse Cover

Can Senior Citizens Avail Term Insurance?

Side Effects of Covid-19 Booster Doses

Why Surrendering Your Term Plan Policy In The Final Phase Maybe A Bad Idea?

How to Compare Term Insurance Online

Does Term Insurance Cover Accidental Death?

What is Critical Illness Policy

Eligibility Criteria for Buying Term Insurance in India

Can I Make Changes to My Term Insurance Policy Post Purchase?

Term Insurance Plans and Policies for Smokers

Reasons You Need Term Insurance Plan as a Self-Employed Person

Can Non-Resident Indians (NRIs) Buy Term Insurance In India?

Buying A Term Insurance Plan? Take These Factors into Account

Know How to Invest at Every Age for Larger Returns

Individual Life Insurance vs. Group Term Life Insurance

Should You Buy a Term Plan After 40?

8 Factors to consider before choosing a Critical Illness Insurance

8 Types of Death not covered in Term Insurance Plan

Planning For Children's Future

10 Ways to Get Your Kids Involved in Your Healthy Lifestyle

Term Insurance with Critical Illness

Do You Need Term Insurance Cover After Retirement?

How To Change The Nominee in Term Insurance?

Calculating Term Insurance Premium

Is ₹1 Crore Term Insurance Good Enough Cover?

टर्म इंश्योरेंस क्या है? टर्म इंश्योरेंस का मतलब

Choosing Riders for Insurance Plans

Term Insurance Calculator - Everythng You Need To Know

Insuring Protection Against Death With Death Insurance Rider

Can I Get Term Insurance on Behalf of My Spouse?

Advantages of Buying Term Insurance in Your 50s

Should Youngsters, Working Couples Buy Term Insurance Plans?

Why Spending Time with Friends is Essential for Your Mental Health?

All About Term Insurance Inbuilt Coverage

Term Insurance Age Limit – Term Plan for All Age Groups

When is the Right Time to Buy Term Life Insurance Policy for Yourself?

Is Life Insurance Investment Worthy Enough

What Types of Deaths Are Covered in a Term Insurance Plan?

Increasing Term Insurance and Riders

How To Choose the Right Sum Assured Under a Term Plan?

While Buying Term Insurance Compare Features, Not Just Premiums

All you need to Know about Term Insurance Plans for Housewives

4 Methods to Calculate How Much Term Insurance You Need

Insuring Against Disability With Disability Insurance Rider

Why Term Insurance Is Better Than ULIP?

Term Insurance With Riders In India

Best Investment Plans for Children - Secure Your Child's Future

Insurance Policy for Housewife In India

What is the Right Term Period For Term Insurance Policy? Here's How You Should Choose!

Busting Myths and Facts About Term Insurance Policies

10 Ways to Mentally Refresh After a Stressful Day

Term Insurance Basics You Should Know

Are The Add-ons and Optional Features of Term Insurance Plans Actually Beneficial?

What All Documents Required For Term Insurance In India?

What is Insurance Premium - A Detailed Guide

Endowment Plans vs Term Plans: Understanding the difference

Which Term Insurance to Choose: Lump Sum or Staggered Pay-out Plan?

What Should You opt for - Limited or Premium Pay?

Do I Need to Give a Medical Test for Term Insurance in India?