Quote Originally Posted by gaurav_gupta View Post
Three years back I had take a term insurance policy from Max New york. At that time I haven't update regarding drinking & smoking as I think I smoke occasionally at that time. Now should I need to update regarding smoking & drinking in that policy. Now I smoke 2 to 3 cigarettes per day. And drink occasionally. Should this also affect my premium? And this is mandatory to declare.
If at the time of taking the policy you were not smoking or drinking and started lately then no need to provide any detail. Otherwise you had provided wrong details at the time of proposal, which need updation.