It would make sense for insurance companies to make those with smokers and the obese pay more.
If you are obese, your benefits get cut from 80/20 to 70/30.
If you also smoke, your benefits go to 60/40.
Just my thoughts.
You are talking about health insurance, (which, due to the fact that it is practically mandated as a job benefit is totally skewed and unfair as it is.), and I agree.
But in the life insurance business, go and calculate your annual term rates as a smoker, (or not), and as an obese person, (and not.)
There you’ll see the expected mortality rates fairly represented in the fees.
Sarah