Smoker / non-smoker
Active smoker borrowers (cigarettes, shisha, nicotine vape) — Surcharge: +30% à +80%
Smoker status generates 30-80% surcharge on death-disability insurance. Difference significant: on 1M MAD 20-year mortgage, smoker pays 20,000-50,000 MAD more than non-smoker. Insurers define smoker as 'consuming tobacco for 2+ years, in any form'.
Specific risks
Increased risks: cancers (lungs, throat, bladder), cardiovascular diseases, stroke. Statistics show reduced life expectancy of 8-12 years for smoker vs non-smoker. Insurance reflects this actuarial over-risk.
Bank approach
Systematic medical questionnaire. Smoker status declaration mandatory (false declaration = contract nullity). Some insurers request urinary cotinine test to verify. 'Ex-smoker weaned 24+ months' status generally accepted as non-smoker.
Delegation strategy
Smokers have even more interest in delegating as tariff gaps between insurers can reach 60%. Wafa Takaful and AXA often more competitive for smokers than bank group contracts. Quitting smoking 24 months before new credit allows obtaining non-smoker tariff.
Numeric example
Borrower 35, 1M MAD / 20-year mortgage. 2026 tariffs: Non-smoker: 0.22% = 2,200 MAD/year. Smoker: 0.38% = 3,800 MAD/year. Difference over 20 years: +32,000 MAD. Quit 2 years before = direct savings 32,000 MAD + preserved health.
Practical tips
- Quit 24 months before any credit application for non-smoker tariff
- NEVER lie about status (contract nullity = capital not paid at death)
- Request contract review after 2 years weaning (30-50% savings)
- Shisha and nicotine vape count as tobacco (verify)
- Pulmonologist medical certificate can help prove weaning
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