Insurance query: I want to know whether smoking and drinking are major clauses in a term insurance or not

Business and Finance Business and Finance

Sat, December 14, 2024

[ Sat, Dec 14th 2024 ] - Metro

Neighbours confirms catastrophic Christmas collision and worrying major return

[ Sat, Dec 14th 2024 ] - AOL

Taylor Swift and Travis Kelce's Biggest Moments of 2024: From the Super Bowl to 'The Eras Tour'

[ Sat, Dec 14th 2024 ] - MSN

Young activists take on a government agency in a Florida climate lawsuit

[ Sat, Dec 14th 2024 ] - MSN

Michigan football's most athletic QB hits transfer portal

[ Sat, Dec 14th 2024 ] - MSN

FACT CHECK: Did Bashar Al-Assad Resign As President Of Syria?

[ Sat, Dec 14th 2024 ] - MSN

Greg Norman: "New CEO coming to LIV Golf"

[ Sat, Dec 14th 2024 ] - Comic Book Movie

KRAVEN THE HUNTER: An Unintentionally Hilarious F .. At Rhino And Chameleon's Final Forms LEAKS Online

[ Sat, Dec 14th 2024 ] - pinkvilla

BBMAs 2024: Stray Kids impresses with Chk Chk Boo .. d JJAM performances; wins Top Global K-Pop Artist

[ Sat, Dec 14th 2024 ] - MSN

U.S. and China renew science and technology pact amid growing rivalry

[ Sat, Dec 14th 2024 ] - Insider Monkey

Why Is NIKE, Inc. (NKE) Among the Best Income Stocks to Buy According to Analysts?

[ Sat, Dec 14th 2024 ] - MSN

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[ Sat, Dec 14th 2024 ] - MSN

Constitution Debate Day 2: PM Modi to Respond in Lok Sabha Today | LIVE

[ Sat, Dec 14th 2024 ] - Business Daily Africa

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[ Sat, Dec 14th 2024 ] - kathmandupost

Oli's China deal copy-paste of the pact I had finalised: Dahal

[ Sat, Dec 14th 2024 ] - MSN

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[ Sat, Dec 14th 2024 ] - MSN

Trump eyeing Waldorf-Astoria to save hotel from f .. g and rebranding into 'Trump international hotel'

[ Sat, Dec 14th 2024 ] - MSN

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[ Sat, Dec 14th 2024 ] - MSN

Singer IU backs impeachment rally with food and coffee for attendees

[ Sat, Dec 14th 2024 ] - MSN

Mitch McConnell, Who Had Polio, Reacts to RFK Jr. Ally's Anti-Vaccine Push

[ Sat, Dec 14th 2024 ] - MSN

Fury after Biden grants clemency to 'kids-for-cash' judge and city coffer embezzler

[ Sat, Dec 14th 2024 ] - MSN

Who is Francois Bayrou? Macron's latest pick to be France's prime minister

[ Sat, Dec 14th 2024 ] - MSN

Mitch McConnell warns Trump nominees to 'steer clear' of 'dangerous' polio vaccine skeptics

[ Sat, Dec 14th 2024 ] - MSN

Facing certain defeat, Mayor Brandon Johnson postpones Chicago city budget vote

[ Sat, Dec 14th 2024 ] - MSN

Federal labour minister takes steps to end Canada Post strike

[ Sat, Dec 14th 2024 ] - USA Today

US grand jury charges former Syrian prison official with torture and immigration fraud

[ Sat, Dec 14th 2024 ] - Washingtonian

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[ Sat, Dec 14th 2024 ] - MSN

Syrians cheer end of 50 years of Assad rule at first Friday prayers since government fell

[ Sat, Dec 14th 2024 ] - Business Today

Top stocks of the week: Vedanta, Delhivery, BSE, Voltas, Muthoot Finance and more

[ Sat, Dec 14th 2024 ] - Business Standard

Ashok Gehlot demands MoU regarding PKC-ERCP project be made public

Fri, December 13, 2024

[ Fri, Dec 13th 2024 ] - Radio Pakistan

Pak, Belgium discuss partnership in trade, culture, science

[ Fri, Dec 13th 2024 ] - Newsweek

Daniel Aleman Gets Serious (and Funny) with 'I Might Be in Trouble'

[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - The Republic

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Victoria News

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[ Fri, Dec 13th 2024 ] - World Socialist Web Site

The for-profit health insurance racket: From HMOs to "Value-based care"

[ Fri, Dec 13th 2024 ] - The New Yorker

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[ Fri, Dec 13th 2024 ] - Flathead Beacon

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[ Fri, Dec 13th 2024 ] - Peninsula Daily News

Are Nutra Pro Keto Gummies Worth It? Benefits, Pricing, and User Reviews

[ Fri, Dec 13th 2024 ] - The New York Times

Biden Administration Is Said to Allow California to Ban New Gas-Powered Cars

[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

Gov. Burgum and Lt. Gov. Miller receive resolutions for water development

[ Fri, Dec 13th 2024 ] - The Globe and Mail

Trump transition team recommends scrapping car-crash reporting requirement opposed by Tesla

[ Fri, Dec 13th 2024 ] - RealClearPolitics

Pomeroy: Dr. Jay Bhattacharya Could Bring Big Changes to NIH and Science Research

[ Fri, Dec 13th 2024 ] - CBS News

Macy's adds to list of store closures, says it will close 65 this year

[ Fri, Dec 13th 2024 ] - MSN

Trump demands mystery drones are 'shot down' and claims 'government are lying'

[ Fri, Dec 13th 2024 ] - deseret

Utah turning to its old Pac-12 ties for final test before Big 12 play

[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Vietnam Investment Reviev

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[ Fri, Dec 13th 2024 ] - Diginomica

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[ Fri, Dec 13th 2024 ] - fbcnews

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[ Fri, Dec 13th 2024 ] - Reuters

Reports: Chiefs WR Hollywood Brown nearing return

[ Fri, Dec 13th 2024 ] - The Globe and Mail

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Sky News Australia

Former Liberal minister in Howard and Abbott gove .. s Kevin Andrews dies following battle with cancer

[ Fri, Dec 13th 2024 ] - Washington Examiner

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - ktvq

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MARCA

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - KRQE Blogs

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Seeking Alpha

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[ Fri, Dec 13th 2024 ] - New Republic

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

NBA News: Spurs' Victor Wembanyama follows Luka Doncic's lead with important decision for 2025

[ Fri, Dec 13th 2024 ] - The Motley Fool Canada

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

Governor DeWine in Cleveland meeting with the May .. r City officials about Browns move to Brook Park.

[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - bleedingcool

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Toronto Star

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[ Fri, Dec 13th 2024 ] - denver7

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[ Fri, Dec 13th 2024 ] - theroar.com.au

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[ Fri, Dec 13th 2024 ] - pinkvilla

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Yahoo Finance

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[ Fri, Dec 13th 2024 ] - MSN

Former minister and member for Menzies Kevin Andrews dies after battle with cancer

[ Fri, Dec 13th 2024 ] - MSN

As Trump prepares to take office, ports and dockworkers are facing down a new strike

[ Fri, Dec 13th 2024 ] - NBC News

Trump team in talks with Biden and Ukrainian officials about ending war with Russia

[ Fri, Dec 13th 2024 ] - Forbes

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[ Fri, Dec 13th 2024 ] - EVOKE

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Austin

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[ Fri, Dec 13th 2024 ] - Reuters

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[ Fri, Dec 13th 2024 ] - MSN

Senator outlines road map to dismantling the Department of Education

[ Fri, Dec 13th 2024 ] - CBC.ca

Federal government steps in to end Canada Post strike

[ Fri, Dec 13th 2024 ] - Radio France Internationale

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[ Fri, Dec 13th 2024 ] - deseret

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

RFK Jr.'s lawyer and top ally asked FDA to revoke approval of polio vaccine

[ Fri, Dec 13th 2024 ] - Dominica News Online

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

Supreme Court takes tax case related to Catholic .. ps helping people with developmental disabilities

[ Fri, Dec 13th 2024 ] - Mediaite

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[ Fri, Dec 13th 2024 ] - Newsweek

NASCAR Driver Ryan Blaney Announces Life-Changing News In Heartfelt Post

[ Fri, Dec 13th 2024 ] - fbcnews

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - USA Today

Trump tariffs could intensify US trucking industry slump, experts say

[ Fri, Dec 13th 2024 ] - MSN

Senator stirs debate with bold proposal to constr .. and Canada: 'The future of transportation is now'

[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - WYMT

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - syracuse.com

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - Fortune

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[ Fri, Dec 13th 2024 ] - Yahoo Finance

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[ Fri, Dec 13th 2024 ] - Reuters

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[ Fri, Dec 13th 2024 ] - St. Louis Post-Dispatch

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[ Fri, Dec 13th 2024 ] - The New York Times

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[ Fri, Dec 13th 2024 ] - The New York Times

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[ Fri, Dec 13th 2024 ] - WCPO Cincinnati

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[ Fri, Dec 13th 2024 ] - The Conversation

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[ Fri, Dec 13th 2024 ] - MSN

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[ Fri, Dec 13th 2024 ] - The New York Times

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[ Fri, Dec 13th 2024 ] - The New York Times

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[ Fri, Dec 13th 2024 ] - The New York Times

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[ Fri, Dec 13th 2024 ] - The Daily Signal

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[ Fri, Dec 13th 2024 ] - St. Louis Post-Dispatch

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[ Fri, Dec 13th 2024 ] - Business Today

Insurance query: I want to know whether smoking a .. king are major clauses in a term insurance or not

Insurance query: I want to know whether smoking and drinking are major clauses in a term insurance or not

^{Published on 2024-12-13 16:41:02 - Business Today}

My friend and I are in the process of considering term insurance, and a major point of concern for us is regarding smoking and drinking. Every broker has asked us whether we smoke or drink. One of us is a smoker who smokes almost daily, while the other ...

The article from Business Today discusses the impact of smoking and drinking on term insurance policies. It explains that while these habits are not explicitly listed as major clauses, they significantly influence the premiums and terms of coverage. Smokers and heavy drinkers are often categorized as high-risk clients, leading to higher premiums due to the increased likelihood of health issues. Insurers may require a detailed health questionnaire or medical tests to assess the applicant's lifestyle, and any misrepresentation can lead to claim rejections. The article also notes that some insurers offer incentives for quitting smoking or reducing alcohol consumption, potentially lowering premiums over time. However, the primary focus remains on the increased risk these habits pose, affecting both the cost and the underwriting process of term insurance.

Read the Full Business Today Article at:
[ https://www.businesstoday.in/personal-finance/insurance/story/insurance-query-i-want-to-know-whether-smoking-and-drinking-are-major-clauses-in-a-term-insurance-or-not-457249-2024-12-13 ]

N@N

Insurance query: I want to know whether smoking and drinking are major clauses in a term insurance or not