Basic InfoCoverageYour DetailsMedicalPlans

Tell us about yourself

We use this to calculate accurate premiums for you.

Gender

Date of Birth (Age 18–65)

Do you smoke or use tobacco?

Why we ask this

Gender affects premiums

Statistically, women live longer and typically receive lower premiums on term plans.

Age = premium calculation

Younger applicants get significantly lower premiums. Locking in early saves thousands over the policy term.

Smoking increases risk

Smokers pay 20–40% higher premiums. Quitting and declaring honestly protects your claim.