It's very simple: if you smoke tobacco or cannabis, vape, or chew tobacco, you will pay more for life insurance.
The US Surgeon General says 16 million Americans have a smoking-related disease.
Smoking-attributable healthcare spending costs over $170 billion per year.
According to Business Insider, life insurance premiums are based on your health risk for insurance providers.
The effect of nicotine on health is well documented, so smokers are seen as a higher risk for life insurance companies.
