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Smoking doesn't make you uninsurable but hiding it can put your family's claim at risk. Insurers price policies based on risk, so tobacco or nicotine use may lead to higher premiums. This The 'Social Smoker' Penalty: Why Occasional Puffs Can Spike Your Insurance Premiums by 50% Youngkin says he will sign legislation ending higher insurance premiums for tobacco users Virginia Mercury MCPersonalFinance That occasional cigarette at a wedding or social gathering could cost more than you think. Insurance companies increasingly take a broad view of smoking habits, and even infrequent tobacco or Lawsuits Target Health Plan Tobacco Surcharges Horst Insurance The Life Insurance Industry's Long, Strange Silence about Smoking and Cancer The Center for the Study of Tobacco and Society
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