Things I don’t understand
Tue, 2014-09-02 18:42
News Staff
By Walter E. Williams
There are things that really puzzle me. Some life insurance companies charge lower premiums if you haven't made a life-shortening lifestyle choice. Being a nonsmoker is one of them. Actuarially, that makes sense because the life expectancy for smokers is at least 10 years shorter than for nonsmokers. Insurance company policies charge higher premiums to those who are obese. The National Institutes of Health reports that those with a body mass index greater than 40 have a six- to 14-year lower life expectancy. Again, actuarially, that makes sense. Indeed, there's a strong advocacy for higher life insurance, as well as health insurance, premiums for those whose lifestyle choices impose a greater financial burden on society, which obesity does. But there's one important exception. According to the International Journal of Epidemiology, life expectancy at age 20 for homosexual and bisexual men is eight to 20 years less than for all men. That's a lifestyle shortening of life expectancy greater than obesity and tobacco use.
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