Need A Financial Product Forums Insurance Do I fall in smoker’s category for term insurance policy

This topic contains 1 reply, has 2 voices, and was last updated by  Suraj Singh 3 years, 6 months ago.

Viewing 2 posts - 1 through 2 (of 2 total)
  • Author
  • #46711

    Suraj Singh

    I am interested in getting term policy of 50 lakhs from LIC. I was smoker and have quit smoking month ago. Which field should I tick ? smoker or non-smoker? If I would have been a non-smoker at the time of taking policy and start smoking later, then what will be its impact on policy?


    Nidhi Arora

    You will fall in smoker’s category. A non-smoker is one who has never actively smoked in his life. If a non-smoker starts smoking after getting the policy, then his policy will remain intact. However, it may or may not impact at the time of claim settlement.

Viewing 2 posts - 1 through 2 (of 2 total)

You must be logged in to reply to this topic.

About Us

Simplypaisa, a web initiative by Elite Wealth Advisors Ltd, has the primary objective to help readers make smart financing decisions. What is smart finance? How to make smart financing decisions to procure assets or to meet one’s personal needs? Information is critical to make smart financing decisions: be it to purchase your dream house, a car, to start a business or to enable an entrepreneur to meet his/her working capital needs.Read More...


Elite Wealth Advisors Ltd.
S-8, DDA Shopping Complex,
Near Jeevan Anmol Hospital,
Mayur Vihar Phase-1, Delhi-110091.
Phone No: 011-42445800
Email :

Subscribe to Blog via Email

Enter your email address to subscribe to this blog and receive notifications of new posts by email.