It is not criminal discrimination. Insurance actuaries’ assess the risks on each premium there are numerous factors that go into the quote that you will receive. Your age, occupation, health, habits as well as your credit report are looked at when setting your premium. Smoking will make your life insurance payments higher. The incidents of premature death in smokers are heavily documented by medical journals and records.

There is hope though; if you quit smoking insurers will give the non-smoking rate after a period of between 1-5 years.

Remember when filling out your application form to answer all questions as truthfully as possible. You most probably will have to undergo a medical examination as well. Your answers will be checked against your credit and medical records.