Q: Why do insurers frown when they notice that a person drinks or smokes?

Not only do insurers frown when they notice that one of their possible consumers will be drinking or smoking, they also charge higher and might not provide coverage at all. Depending on how good your health is in general, they charge your premiums higher or lower.

The main reason why insurers charge so much more when they find out that a person applying for insurance smokes or drinks is probably because they have much higher risks of developing other illnesses. The healthier you are, the less they charge. The more you smoke or drink, the worse your health is, meaning the higher your bills are.

Here are some illnesses developed from alcohol and smokes:

• Lung cancer
• Liver damage
• Heart disease
• Slows reaction
• Obesity
• Loss of consciousness
• Slows function of nervous system
• Intoxication
• Alcohol poisoning
• Respiratory disease
• Chronic bronchitis
• Pneumonia
• Asthma
• Shorter life expectancy
• Stomach illnesses