We’ve all seen the commercials – smoking is bad for you, smoking kills. If you’re a smoker, you are more likely to have health problems, so of course, the insurance company is going to charge you a higher premium – they’d be idiots not to, because as a smoker, you’re more likely to need medical treatments than a marathon runner.

Other things to keep in mind is drinking alcohol and eating/overeating. Overeating often leads to being overweight, and overweight leads to health problems. Typically obesity can cause a large number of problems, so again, being overweight will cause insurance premiums to rise as well.