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The 'Social Smoker' Penalty: Why Occasional Puffs Can Spike Your Insurance Premiums by 50% Information for Health Care Providers Tobacco Pregnancy Maternal and Infant Health Reproductive Health CDC MCPersonalFinance That occasional cigarette at a wedding or social gathering could cost more than you think. Insurance companies increasingly take a broad view of smoking habits, and even infrequent tobacco or Life Insurance for Cigar Smokers 5 Best Insurers Smoking impacts more than just your health over time. It can also affect how insurers assess risk and calculate premiums. This World No Tobacco Day, taking a step toward quitting could help
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