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There are a number of factors that go into determining the premiums of a life insurance policyholder. One of these factors is high risk behavior. Those who engage in these behaviors are seen by insurance companies as a poor risk to take on. To compensate for this, they will charge higher rates than for people considered to be lower risks. Five high risk behaviors are considered in this article.


Smoking causes heart disease, stroke, various lung diseases, lung cancer as well as cancers in many other areas of the body. It is clear that smoking causes poor health and a shorter life span, which means your life insurance premiums will be higher to compensate for fewer years of payments.

People walkingPoor Health Habits

A healthy diet and staying physically fit makes you a lower risk. Insurers look at your weight and height and whether you have any health issues, such as type II diabetes or cardiovascular problems. Rates can increase if you're deemed unhealthy for any number of reasons.

Bad Driving History

Driving is inherently dangerous and a history of moving violations and traffic accidents has serious implications on your longevity. Your premiums are affected by the frequency, severity and how recent these incidents occurred. Some violations like driving while intoxicated will lead to substantial rate increases.

Risky Pursuits

High risk activities such as BASE jumping, skydiving and flying a light aircraft can affect your life insurance rates. Auto racing, scuba diving and mountain climbing are also considered high risk. How much your rates increase depends on the details of your particular activity.

Excessive Alcohol Consumption

Alcoholism can cause pancreatitis, high blood pressure, dementia, liver cirrhosis, cardiovascular disease, cancer and anemia. How will your insurer know if you drink too much? Many companies determine this from your answers to a questionnaire, your medical exam results and your driving record. False answers in the questionnaire can result in cancellation of your policy, should they find this out in the event of your passing away.

If you find that you have some of the above risk factors, remember that every one of these is under your control. These high risk behaviors can be reversed with the benefit of lower life insurance rates, as well as a healthier, longer and safer life.

Get a free quote. Call De Caro Insurance Agency at (626) 331-0914 for more information on Los Angeles life insurance.
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PFP INSURANCE AGENCY Formerly De Caro Insurance Agency
410 E San Bernardino Rd | Covina, CA 91723 | 800.595.0914
Local: 626.331.0914 | Fax: 626.966.6931 | License#: 0I78945             
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