smoking can affect the cost of your insurance policy, and it may cause you to pay more for coverage. Insurance companies view smoking as a high-risk activity that increases the likelihood of health problems and premature death. As a result, they may charge higher premiums to smokers for life, health, or disability insurance policies.
In some cases, insurance companies may require smokers to undergo a medical exam and provide evidence of their smoking status before issuing a policy. If you are a smoker, you may be considered a higher risk, and your premiums may reflect that.
However, it's important to note that not all insurance policies will charge smokers more. Some policies may not differentiate between smokers and non-smokers, or they may only charge slightly higher premiums for smokers. In any case, it's essential to be honest about your smoking status when applying for insurance, as providing false information could result in a denial of coverage or a loss of benefits.