Smoking doesn't just harm your health - it hits your wallet too. According to the World Health Organization, smoking is responsible for over eight million deaths globally each year, with 1.35 million occurring annually in India alone. But beyond the tragic health toll, smoking can also lead to higher term insurance premiums.

Insurance companies assess risk profiles before issuing term policies, and smokers are considered high-risk individuals due to their increased likelihood of developing critical illnesses like cancer, heart disease, and respiratory disorders. As a result, smokers often pay 30% to 50% more in premiums than non-smokers for the same coverage.

Many insurers also require medical tests to verify smoking status, and providing incorrect information can lead to claim rejections later on. Experts recommend quitting smoking not only to improve health but also to benefit financially in the long run. With India's rising awareness around lifestyle diseases, insurance costs are becoming a powerful reminder: smoking burns more than just lungs - it burns your future too.