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Smoker and alcoholic in term insurance?
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07 Jan, 2023
by SM9
I don't smoke cigarettes but i do smoke hookah occasionally like once in 3 months. Should I declare myself as a smoker or not.?
I drink beer and whiskey occasionally as well so should I declare alcoholic or not?
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Dear SM 9
My comments
1. Smoker premium rates are approx 20 % higher than non smoker .
2. Apply under non smoker category but declare that ypu take hookah once in three months . Declare whether ypu take tobacco in hookah .
3. There is no rate difference in case of alcoholic, Declare ypur habit of occasional beer and alcohol.
Hope this clarifies
Shailesh
Insurance Samadhan