Ever wondered why your term insurance premiums seem higher than expected? Turns out, your lifestyle is the star of this show—and not always in a good way! From chainsmoking to binge-drinking, skipping workouts, or chasing adrenaline in extreme sports, every choice you make shapes how much you pay. So, if you’re a fan of “Lagaan,” here’s your insurer saying, “Duguna Premium Dena Padega” Let’s break it down.
 

1. Smoking: The Price of a Puff

It’s no secret that smoking increases the risk of diseases like cancer and heart conditions. But did you know that insurers see smokers as high-risk and charge 30-50% higher premiums? If that isn’t reason enough to quit, imagine Shah Rukh Khan’s iconic line from Chennai Express, “Don’t underestimate the power of a non-smoker!”
 

2. Alcohol: Raise a Glass, But Not Your Premium

“Ek baar jo maine commitment kar di..”, insurers take that line seriously when it comes to excessive drinking. Regular or heavy alcohol consumption can push your premiums up, thanks to the increased health risks. Moderation is key—not just for your liver but for your pocket too.
 

3. Fitness: Workouts That Work Wonders

“Koi bhi plan perfect nahi hota, usse perfect banana padta hai”. A healthy lifestyle makes your term plan almost perfect! Staying fit reduces your health risks, making insurers smile—and your premiums shrink. Who knew those squats and salads could also slim down your premiums?
 

4. High-Risk Hobbies: Thrill, but at What Bill?

Skydiving, scuba diving, or motorbike racing might be thrilling, but insurers see them as risky business. So, if you hear your insurer saying “Risk hai toh ishq bada premium hai,” they’re not wrong!

Takeaway:

Your lifestyle choices are like the twists in your favorite movie—they shape the entire plot. Make the right ones, and you’ll save on premiums while living your best life. As “Aal Izz Well” only when you take care of yourself and your future. Choose smart, and let your story have a happy ending!