Written By: Himanshu Kumar

Himanshu Kumar

Term & Life Insurance

Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.

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Reviewed By: Bijendra Singh

Bijendra Singh

Term Insurance

Bijendra Singh with his 9 years of experience in the term insurance sector, has been instrumental in designing customer-centric sales programs. His passion towards innovation strives to achieve organizational objectives while driving sustainable growth in the competitive insurance landscape.

Updated on Feb 02, 2026 5 min read

Who Is Considered A Smoker By Term Insurance Companies?

An individual who consumes any form of tobacco products such as cigarettes, gutka, pan masala, khaini, hookah, vapes, beedi, weed, etc, is considered a smoker by term insurance companies. At the time of buying term insurance, the insurer asks you about your smoking habits. It helps life insurance companies assess the associated risk of insuring you. Life insurance companies ask some questions to check whether you are a smoker or not.

If the answer to any of the above questions is ‘Yes’, then you are considered a smoker by the life insurance company.

Types of Smokers

Life insurance companies classify smokers into three categories:

How Smoking Impacts My Term Insurance Premiums?

Smoking has a direct impact on your term insurance premiums. If you are a smoker, then the insurance company will charge you a high premium as compared to a non-smoker. This is so because smoking lowers your life expectancy, and you are more likely to suffer from heart and lung issues. 

Let’s understand how smoking impacts your term insurance premiums with a simple premium illustration. 

Two friends, Jayesh and Ramesh, started their careers as financial analysts at an MNC. They decided to buy a term plan to protect their loved ones financially. Jayesh is a smoker, while Ramesh is a non-smoker.

The below premium illustration tables show how the term plan works for Jayesh and Ramesh.

Term Plan for Jayesh

Term Plan for Ramesh

The above premium tables show how smoking can impact your term insurance premiums, despite other factors such as age, income, policy tenure, etc, remaining the same. 

To calculate premiums for your term insurance plan, you can use the PolicyX Term Insurance Calculator.

What Happens If I Start Smoking After Buying A Term Plan?

If you start smoking after buying a term insurance policy, it’s advised to inform the insurance company about your smoking habits at the time of policy renewal to avoid potential claim issues. Your insurer may also increase your insurance premiums once they get to know about your smoking habits due to the increased risk.

Moreover, if something happens to you during the policy tenure and the insurer discovers your smoking habit, they may delay or reject your claims. That’s why you must inform the insurer about your smoking habits so that your family can easily get the claim amount in your absence. 

What Happens If You Quit Smoking After Buying Term Insurance?

If you quit smoking after buying term insurance for smokers, it will not impact your policy. The insurance companies charge higher premiums to smokers as their life expectancy is comparatively lower. In case you quit smoking after buying a term plan, you may ask your insurer to reevaluate your premiums. If approved, the insurance company may change your status from a smoker to a non-smoker. However, certain insurers do not allow you to change your status during the policy tenure.

You can also apply for a new term plan after a certain period of quitting smoking. It’s important to inform the insurance company about your past smoking habits to avoid claim rejection in the future.

What If I Do Not Disclose My Smoking Habits?

Not disclosing or lying about your smoking habits may have various consequences:

Conclusion

Smoking not only results in expensive term insurance premiums but also impacts your health negatively. That’s why it is recommended to avoid smoking. No matter whether you are a smoker or a non-smoker, you must provide true information to your insurer to avoid any issues at the time of claim settlement. In case you start smoking after buying term insurance, you must inform the insurance company about the same. 

If you are confused about which term insurance is right for you as a smoker, you can contact us at PolicyX.com or call us at 1800-420-0269.

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