Why You need to disclose Smoking habit to buy Term Insurance?

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Why does Max Life Insurance ask about customer’s smoking habit?
Well, asking about the smoking habit is an industry-wide practice and it is important as stating your smoking habit while purchasing the term plan makes the claim settlement process quick and easy.
It is also a key factor in deciding your term plan premiums considering the risk attached with smoking. If you are a non-smoker, the premiums will be lower.

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