Life Insurance Policy For Smokers | Financial Planning Process | Dr Sanjay Tolani

What should you put in your application: Smoker, Non-smoker or Social smoker? 🤔

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This is a very interesting question because from an insurance perspective, a SMOKER and a NON-SMOKER are very CLEAR definitions. If you’re smoking even ONE cigarette, it’s considered SMOKING. So there’s just SMOKER or NON-SMOKER, there is NO SOCIAL SMOKER. However, the QUANTITY of cigarettes you SMOKE will AFFECT your PREMIUM.

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Dr. Sanjay Tolani, became the “youngest member” at the age of 19 and the “youngest life member” at the Age of 28 to the Million Dollar Round Table (MDRT). He also has 13 Top of the Table Qualifications (TOT), which is considered the pinnacle of the financial services profession. To top things off, he is also the youngest Managing Director of an insurance brokerage in the Middle East.

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