3. Your smoking habit
Smoking can affect your health in many ways. People who smoke are actually at a higher risk for heart attack than those who don’t, and this bad habit also contributes to chronic lung diseases such as emphysema and bronchitis.
In consequence, your smoking habit is a big concern for all insurance companies. As a matter of fact, individuals who like to light up, pay more than twice for similar coverage when compared to non-smokers. So, the negative effect on your wallet is another good reason to try to quit smoking.