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Can You Change the Smoking Status of Your Term Insurance | Bajaj Allianz Life

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Is Any Change In Smoking Status Permitted In Term Insurance?


Aug 02, 2022

By : Bajaj Allianz Life

Although smoking and insurance don't go together, knowing their relationship can help you discover how tobacco use impacts your finances. Many insurers have established that smoking can increase the cost of your premiums for insurance and that you’ll most probably get lower premiums if you don’t smoke or use other substances. After all, your life expectancy is the basis upon which your life insurance premiums are calculated.

However, what about changes that occur in your smoking habits while your policy is still active? In other words, if the policyholder of a term insurance policy quits smoking after their policy has been active, are there any provisions that enable them to go for lower premiums now that they qualify as a non-smoker?


Insurance for smokers: Is any change in smoking status permitted in term insurance?


No, is the short answer. It is rare for an insurance company to let a person switch from a smoker plan to a non-smoker plan in the middle of a policy's term. But not everything is lost. Even though it's unlikely, you might be able to switch plans. Whether or not your insurance company will let you do this will depend on the company you choose and your specific situation. You can change your plans if you want to. Unless you want to cancel the first plan and start a new one. If a person thinks he or she is not a smoker, he or she will have to go through medical tests. If the person has said that he or she smokes in the past for one of the life insurances plans, the above things are still true. Note that some insurance companies won't let you sign up for a non-smoking plan unless you haven't smoked in more than five years. If you meet this requirement, you could opt for a new term plan, and stop paying for the old one. In the situation where a policyholder chooses not to be honest about their smoking habits while buying insurance, claims not to smoke, and ends up passing away from a smoking-related complication (lung disease, cancer, heart attack), there is a possibility that their insurer will not pay out the due benefits.


What can I do if my smoking habits change, and I want that to reflect in my insurance policy?


What about someone who has just altered their smoking habits and wants it reflected in their term insurance policy? It makes no sense to continue paying premiums for a smoking plan if you no longer smoke. If this is the case for you, most individuals simply choose a new term plan with their updated health metrics and cease paying premiums for their previous coverage.

As a result, purchasing a new term plan may be as beneficial as retaining an older one. Will your premiums be lower under your new plan? There is no assurance of this since the cost of your premiums is determined by a variety of factors. For instance, remember that in a new plan, your premium rates will be applicable as per your current age, health status, and more.

Another essential thing to remember is that when you buy a new term insurance policy, your insurer will ask you for details about your previous policy. If your previous plan was a smoker plan, you will likely have to disclose this information to your new insurer. They will most probably determine your premium costs based on this information, even if you are requesting a non-smoking plan.




To sum up, smokers, too, are entitled to the protection offered by a life insurance and term insurance policy. Not smoking can not only support their long-term health and well-being by reducing the likelihood of developing critical illnesses and chronic diseases, but it can also lower the cost of their life, term, and health insurance premiums which they will pay over years as per the terms and conditions of the plan.



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3Discount is available for regular premium and limited premium payment frequency under all variants of this product.

2Above illustration is considering Male aged 25 years | Non-Smoker | Life Cover Variant | Policy term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | medical rates | Annual Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information. 

The views stated in this article is not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on carefully before concluding a sale.