Smokers, and other forms of tobacco use, are detrimental to your health. It is not unusual for long term smokers to develop cancer of the lungs, mouth or throat. Many develop emphysema or COPD.
Any of these conditions will shorten your lifespan.
If the insurance carrier believes your tobacco habit will cause you to die sooner than "normal" they will charge a higher rate to compensate for the additional risk.
Life insurance is a mortality insurance product. It bases its underwriting offer on life expectancy and prices it accordingly. Smoking shortens life expectancy and can be a contributing cause or indirect component to our respiratory disease or conditions. Because of these facts, actuarial pricing charges more for the risk the life insurance company takes on.
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Any of these conditions will shorten your lifespan.
If the insurance carrier believes your tobacco habit will cause you to die sooner than "normal" they will charge a higher rate to compensate for the additional risk.