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Term Insurance for Smoker
Term insurance is a purest and simplest life insurance coverage offered for a specific time. It provides financial safety net for your loved ones in your absence. If you pass away during the policy period, your nominee receives a death benefit to cover essential expenses like food, healthcare, and education, ensuring your family's financial stability in your absence.
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ROP
Return of Premium^
Same Day
Claim Processing#
99.50%
Claim Settlement Ratio##
66 Million
Lives Insured@
₹3 Trillion
Assets under
management@
630 Billion
Total Premiums@
TERM INSURANCE PLANS BUYING GUIDE
Term Insurance Plans for Smokers
Table of Content
Why should Smokers buy a Term Plan?
Every smoker should have a life insurance plan, as the probability of a smoker passing away earlier than other non-smokers is higher. Bearing this in mind, insurance companies now offer term insurance plans for smokers.
There have been cases wherein customers hide the fact that they smoke from insurance companies. However, a health check-up, which is a pre-requisite for a term insurance plan, is sure to reveal the truth. It will also further complicate your policy claim if the insurer finds this out, once you’ve passed away.
Types of Smokers
All smokers do not have the same smoking habits and insurance companies understand this. That is why they have categorized smokers into three types:
Preferred Smoker
A preferred smoker is someone who apart from smoking is overall fit. The premium for this type of smoker is the least.
Typical smoker
This is the kind of smoker with a minor lingering health issue. The premiums charged in this case will be slightly higher as compared to a preferred smoker.
Table rated smoker
This is a smoker who has an obvious health condition owing to smoking. The premium this kind of a smoker pays on his term insurance plan is generally the highest among all three types. This is because the person already has a health issue and the insurance company looks to minimize its risks.
A term insurance for a non-smoker and a smoker are significantly different from each other.
Things to consider before you buy a Term Plan
Here are a few things you should know before you buy term insurance for a smoker:
Criteria |
Description |
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The minimum age to buy a term insurance for a smoker is 18 years. |
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The maximum age until which a smoker may get coverage is 75 years. |
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A smoker’s term insurance policy is a minimum of 5 – 10 years. |
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The maximum term of the insurance policy may span anywhere between 30 – 40 years |
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The minimum sum assured on a smoker’s plan is INR 3 lakh. The maximum may span up to the amount the insured requests. |
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The premiums in a smoker’s term insurance policy need to be paid annually. |
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Such term plans are only valid for Indian citizens who reside within the country. |
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In case the insured outlives the maturity of the policy, the person does not receive any benefits for the same |
Why Choose HDFC Life to buy a Term Plan?
If you are looking to buy a term insurance policy for a smoker, then the HDFC Life Click 2 Protect Life is a great option to consider.
1. It secures your family in case death, disease, or disability strikes you.
2. This plan is highly cost-effective and comprehensive, ensuring that your family is well taken care of when you are gone.
3. This highlights one of the best features of term insurance.
4. Additionally, it's important to consider term insurance for parents to provide financial protection and stability for the family in the event of their passing.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
Reviewed By:
Here are a few more articles about Term Insurance.
We help you to make informed insurance decisions for a lifetime.
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
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ARN: ED/12/19/17049