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    Different Smoking VS Life Insurance | PNB MetLife


    Smoking VS Life Insurance - How it can Impact your Insurance Premium?

    Last Updated On 23-10-2018

    How smoking affects life insurance premium

    Smoking is such a toxic habit. And not just for the smoker or the people around, it can be toxic for your life insurance premium too. “How?” you ask?

    Most insurance companies charge higher premiums to smokers as compared to non-smokers for the same maturity amount. The fluctuations in your insurance premiums will depend on your smoking habits and how much of an impact it has had on your health.

    If you’re a smoker, here are a few things you must know about insurance and insurance premiums.

    You Pay Higher Premiums

    Smoking posses certain health risks. As an active smoker, you are more vulnerable to health problems early on in life than non-smokers. So, to compensate for the higher risks to your health, insurance companies charge higher premiums to people who smoke. Also, people who don’t intend to, or are not able to, quit smoking, face increasing health issues with every passing day. Hence, if you’re a smoker, be prepared to pay higher premiums on your insurance policy.

    Do Not Avoid Insurance

    If your alternative to paying higher premiums is to completely skip insurance, it’s the wrong decision. Avoiding insurance could leave a gaping hole in your financial planning. Smoker or not, you must get a medical insurance and a life insurance. The costs of treatment and medicines are rising with every passing year. Even a minor health check-up takes away a considerable chunk away from your pockets. So, avoid draining your bank balance and other savings in times of unforeseen health issues. Get medical insurance and life insurance plan for a secure financial future for yourself and your family.

    Don’t Lie About Your Smoking Habits

    This is a simple point to remember. You should not lie on any of your official documents, least of all your insurance documents. The medical reports will disclose everything sooner or later. Your lies may jeopardize your claim. Be honest about your smoking habits and mention all the health issues you are facing or have faced in the past. This will help the insurance agents to calibrate your health risks and offer a plan that will best suit your needs and give you a decent cover. The slightest discrepancy in the information you provide may invite unwanted claim settlement delays for you.

    Insurance Companies Won’t Reject Your Application

    This is a common myth that insurance companies trash the applications of smokers. Your health will be assessed completely before you can get your insurance policy. However, the likelihood of your insurance getting rejected, just because you are a smoker, is almost zero. You may have to pay slightly higher premiums after thorough assessment but getting a  life insurance for a smoker is not impossible.


    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969.. Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC311 LD/2019-20/322

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


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    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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