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 plans completely online right here.

  • Icon for Kotak Preferred e-Term Plan

    Kotak e-Term Plan

    Kotak e-Term Plan is a pure term plan that provides a high level of protection to your loved ones in your absence.

  • Kotak E-Invest Plan

    Kotak e-Invest is a comprehensive Unit Linked Life Insurance Plan that can be customized as per your goals and needs - be it protection; investment; financial security for child or retirement planning.

  • Icon for Kotak Guaranteed Savings Plan

    Kotak Guaranteed Savings Plan

    Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and insurance cover against any eventuality.

  • Icon for Kotak Preferred e-Term Plan

    Kotak Lifetime Income Plan

    Kotak Lifetime Income Plan gives you the assurance of your income continuing throughout your life and in your absence throughout the lifetime of your spouse!

  • Icon for Kotak Preferred e-Term Plan

    Kotak Health Shield

    The Kotak Health Shield Plan helps secure your finances in times of sudden medical expenses related to illness such as Cardiac, Liver, Neuro and Cancer (all early and major stages of illness /conditions of Cancer); along with offering protection for Personal Accident - in case of accidental death or disability.


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.


Term Life Insurance Plan for Smokers vs Non-Smokers

Buy Term Plan Now
  • 10th Mar 2021
  • 1,885

Term Life Insurance Plan for Smokers vs Non-Smokers

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.

- A Consumer Education Initiative series by Kotak Life

Also read

    • 26th Mar 2021
    • 851

    Key Differences Between Term Insurance, ULIPs, And Health Insurance

    Find out Key Differences Between Term Insurance, ULIPs, And Health Insurance here on this article. Visit Kotak Life to know more on life insurance

    Read more
  • What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

    Know what a joint life insurance is and what are the different types of joint life insurance policies for couples. To know more, Visit now

    Read more
    • 30th Nov 2021
    • 242

    9 Most Frequently Asked Questions on Term Insurance

    erm insurance policy is a life cover designed to protect your family’s finances from uncertain incidents. Here are answers to queries related to a t...

    Read more

Related Plans

  • Kotak Leave Encashment Group Plan

    Kotak Leave Encashment Group Plan

    Kotak Leave Encashment Group Plan is designed to cater to the needs of employees’ leave encashment liabilities increasing over a period of time.

    Know more
  • Kotak Group Shield

    Kotak Group Shield

    Kotak Group Shield Plan covers your customers' loans and savings and protects the well-being of your customers and their family members in the event o...

    Know more
  • Kotak Ace Investment

    Kotak Ace Investment

    Kotak Ace Investment Plan is designed with the clear objective of helping you accumulate wealth and provide you adequate life cover.

    Know more