Insurance companies profit from smoking.
I t was my general understanding that insurance companies charged its customers a premium for insurance policies which they in turn reinvested to cover the eventual payouts. The more efficiently they did that, the more money they made. Well, they're not satisfied with that anymore. Of course not, but they do often ask whether you're a smoker. Cigarettes were not cited as a contributor to the 120 mph auto crash that killed Diana, Princess of Wales, and her two companions.