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There isn’t much hiding the fact that cigarette smoking isn’t a healthy lifestyle choice. Life insurance underwriters treat smoking the way they do for very solid reasons. It causes cancer. Cancers it doesn’t cause, it makes worse. It’s linked to heart disease.

Now a massive study that involved 1.2 million people shows that people who smoke are 44% more likely to develop type 2 diabetes. And the more you smoke, the better the chance of developing diabetes. People that smoked more than 20 cigarettes a day were 61% more likely.

While researchers stopped short of saying that smoking causes diabetes, two lines of thought came from the study. One is that smoking may be more common in those who have a lifestyle that would lead toward diabetes. Obesity and a sedentary lifestyle are noted risk factors.

The other is an older study that showed a link between smoking and insulin resistance.

Bottom line. From a life insurance standpoint, diabetes or not, smoking is going to double or triple your life insurance premiums. Hellooo!! These underwriters aren’t just mean. They know something that, deep down, most people who smoke know just as well.