Smoker
Life insurance companies define a smoker as a person who uses tobacco or nicotine through cigarettes, cigars, gutka, beedi, khaini, flavoured pan masala, nicotine patch or in any other form.
Consumption of tobacco or nicotine, in any form, not only impacts your health, but also your life insurance premium. If you are a smoker, you will have to pay higher premium as the life expectancy is considered to be lower compared to non-smokers. Even if you smoke occasionally, you are considered a smoker, and you need to disclose it. If you had been a smoker at the time of issuing a policy, but later gave it up completely, you can approach the insurance company to lower the premium. Insurance companies would consider such a request after you meet their criteria and medical tests.