So You Smoke, Why Do Insurance Companies Care What You Do?

Smoking is a personal choice, right? You either choose to do it or not. Why does it become someone else’s business when you want to buy health insurance? It’s your life and your choice what you do with it. Well, yes, that is true, but since you want this same insurance company to insure your life, you will need to pay more for them to do that, because by smoking you are placing yourself at risk for various serious and/or deadly diseases.

If you expect them to take the risk that you will kill yourself smoking, then you have to also expect your insurance premiums will be higher because of the choices you make. Insuring people is a business and a company won’t take that risk unless they can cover it off with higher premiums, or outright decline. So while it is your choice to live or die, it is their choice to insure or not insure your lifestyle decisions that put their bottom line at risk.

To learn more and get a health insurance quote, visit https://www.benepath.com