- Webpages
- Documents
- HDFC Life ClassicAssure PlusInvestment
- HDFC Life ClassicAssure PlusInvestment
- HDFC Life ClassicAssure PlusInvestment
For NRI Customers
(To Buy a Policy)
-
![Contact Image]()
Call (All Days, Local charges apply)
-
![Contact Image]()
Email ID
-
![Contact Image]()
Whatsapp
(If you're our existing customer)
-
![Contact Image]()
Call (Mon-Sat, 10am-9pm IST, Local Charges Apply)
-
![Contact Image]()
Email ID
For Online Policy Purchase
(New and Ongoing Applications)
-
![Contact Image]()
Call (All Days & Toll free)
-
![Contact Image]()
Schedule a call
-
![Contact Image]()
Whatsapp
-
![Contact Image]()
Give missed call to buy a policy
-
![Contact Image]()
Email
Branch Locator
-
![Contact Image]()
Locate a branch
For Existing Customers
(Issued Policy)
-
![Contact Image]()
Whatsapp
-
![Contact Image]()
Call (Mon to Sat, from 10 am to 7 pm, Call charges apply)
-
![Contact Image]()
Email
Fund Performance Check
-
![Contact Image]()
Call (Missed Call)
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.
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. Here are a few things you should know before you buy term insurance for a smoker:
Minimum age
The minimum age to buy a term insurance for a smoker is 18 years.Maximum age
The maximum age until which a smoker may get coverage is 75 years.Minimum term
A smoker’s term insurance policy is a minimum of 5 – 10 years.Maximum term
The maximum term of the insurance policy may span anywhere between 30 – 40 yearsSum assured
The minimum sum assured on a smoker’s plan is INR 3 lakh. The maximum may span up to the amount the insured requests.Premium payments
The premiums in a smoker’s term insurance policy need to be paid annually.Eligibility
Such term plans are only valid for Indian citizens who reside within the country.Maturity of the plan
In case the insured outlives the maturity of the policy, the person does not receive any benefits for the same
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. It secures your family in case death, disease, or disability strikes you. This plan is highly cost-effective and comprehensive, ensuring that your family is well taken care of when you are gone. This highlights one of the best features of term insurance. 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.
Related Articles:
- Life Insurance Policy - Types and Features
- Investing Basics: Why Diversification Is Important
- What Happens When a Term Insurance Premium Is Not Paid?
- One Crore Term Insurance for Young Professionals: Securing Your Future
- Features of Term Insurance Plan
- What Does Grace Period Mean in Term Insurance?
ARN: ED/12/19/17049
Tax Articles
Subscribe to get the latest articles directly in your inbox
Life & Term Articles
Investment Articles
Calculators
जानिए हिंदी में
Here are a few more articles about Term Insurance.
We help you to make informed insurance decisions for a lifetime.
Popular Searches
- savings plan
- ulip plan
- retirement plans
- health plans
- child insurance plans
- group insurance plans
- long term savings plan
- fixed maturity plan
- monthly income advantage plan
- income tax calculator
- pension calculator
- bmi calculator
- compound interest calculator
- term insurance calculator
- income tax
- tax saving investment options
- benefits of term insurance calculator
- what is term insurance
- why to invest in life insurance
- tax planning for salaried employees
- how to choose best child insurance plan
- tips for buying retirement plan
- importance of saving
- short term saving plans
- types of investment in india
- investment declaration
- Life Insurance
- Union Budget 2023
- New Income Tax Slab 2023-24
- HRA Calculator
- Best Investment Plans
- 1 crore term insurance
- Zero Cost Term Insurance
- term life insurance plan
- features of term insurance
- Best Term Insurance Plan for 1 Crore
- personal accident insurance