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Something to consider today…if you smoke you’re paying higher costs for your life insurance, correct? Social Science & Medicine estimates that for a person in their twenties, a smoker’s life expectancy is 7 years lower than that of a non-smoker. It makes sense for the insurance companies to charge them higher rates. Other factors include drug abuse, and high risk activities (pilot, etc.). What isn’t a factor is homosexuality. Perhaps here is the best place to put the usual disclaimers, one of my best friends is gay, he in fact introduced me and my girlfriend a year and a half ago, and I really owe him for it. He lives with his boyfriend, and we hang out as often as possible (they live in Houston, I in Baton Rouge). According to the Omega Journal of Death and Dying, a homosexual has a lower expectancy anywhere from 20 to 30 years, as compared to a non-smoking straight person.

So why is a gay person paying less for life insurance than a smoker? Yes, in this day and age, it is very politically incorrect to ask such a question as “are you gay?” Especially in regards to any form of insurance. But doesn’t it make sense that if you engage in a high risk activity, and life insurance companies base their rates on life expectancy as it relates to those activities, to ask such a question? And doesn’t this mean that you and I are subsidizing lower insurance rates for homosexuals because the companies are keeping their rates down (even though it does cost them more to insure a homosexual rather than a straight).

I, for one, will factor the “are you gay” question into my decision when choosing a life insurance provider, as everyone should pay their fair share.


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About Andrew Hughes

  • About a half a million people die from smoking-related illnesses every year. How many people die from homosexuality?

    AIDS statistics do not count as that disease is not exclusive to homosexuals. In fact, lesbians have the lowest risk factor for the disease.

    Homosexuality is not a high risk activity (it isn’t even an activity, it is a natural variation of the human condition, but that is another subject) but promiscuity — which is by no means a practice that is limited to gay men — is a high risk activity for anyone.

    It may be politically incorrect to ask people about their sexual orientations, but it is even more so to ask people — gay or straight — if they are promiscuous.