Term Life Insurance SMOKERS vs NON-SMOKERS | Everything you need to know

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In this video, Kavya dives into the key differences between term insurance for smokers and non-smokers.
✅Definition of a smoker for insurance purposes
✅Identification methods used by insurers for Smokers
✅Cost comparison of premiums Smokers vs Non-smokers
✅Reasons for higher premiums for smokers
✅Recommendations for applicants
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[@BPavan-fe9tf]

You guys simply mention that be transparent to insurer ..but when many clients wish to honoest with insurer but insurer under writing team willingly charge for small small health declrations also like opd basis consultations also ......

[@theuncutstories4604]

For me it was worst, I decided to declare everything for my parents Insurance and the insurance underwriting team rejected the proposal saying the person can't be insured. Whereas my friend who didn't disclose any details of his parents issues got insured immediately. This is the funny side of Indian Insurance companies, they ask u to declare everything and expect the customer to be honest but inreturn they will charge you either huge amount in premium or they will simply reject your proposal. Being honest with Insurance companies are just big quotes by fin-fluencers and nothing else. Honesty is never rewarded by insurers nor by the insurance advisors.

[@satyajitmandal369]

Please make best health insurance policy after IRDAI removal of age restriction

[@dittoinsurance]

Thanks for your suggestion. It’s in our pipeline. Stay tuned!