u/Frequent_Map_6664

Hi folks, I’m 23 and looking for term insurance and while searching on policybazar, i noticed that most insurance companies charge more “if you smoke or chew tobacco”. I don’t smoke tobacco but occasionally do smoke weed.

I checked that the insurance companies test for cotinine presence which is byproduct of nicotine in your body and just weed don’t test positive for this test.

Should i opt for smoking or not? Please help