What is difference between a smoker and non-smoker for term insurance?

What is difference between a smoker and non-smoker for term insurance?

Generally, the premium amount paid by smokers is higher than non-smokers. Smoking can lead to chronic ailments such as lung cancer, heart diseases and bronchitis. Thus, smokers are at a higher risk of being infected by such diseases and have a lower life expectancy ratio as compared to non-smokers.