Insurance costly for smokers

From MSN Money ......We pulled some online quotes on 20-year term life insurance (a $500,000 policy) for a healthy 44-year-old male through BudgetLife.com. The range for a non-smoker was $610 to $1,115 in premiums per year; for someone smoking a pack a day, the prices skyrocketed to as much as $4,495 per year. The difference in health insurance isn't as dramatic. According to eHealthInsurance.com, the monthly premium for a policy from Regence Blue Shield with a $1,500 deductible for a 44-year-old male nonsmoker is $98. The same policy for a smoker is $113 per month. He will pay nearly $200 more per year.A few state governments also charge their employees extra for health insurance if they smoke, and others are gradually joining the trend. Alabama Gov. Bob Riley is pushing legislation that would charge state employees and teachers who smoke an extra $20 per month. When shopping for homeowners insurance, nonsmokers can generally expect to receive a minimum 10% discount, according to Ray Neumiller, an agent with Farmer’s Insurance in Seattle. The insurer’s point of view: Smokers burn down houses.The most common homeowners insurance policies range from approximately $290 to $900 per year, depending on the home’s location. With the discount, a non-smoker would realize savings of at least $30, but most likely more.