I was recently at a party where some students were smoking. I’ve become quite a believer in the futility of telling people why they should not smoke. Sometimes, as I see people smoking, some of these arguments come unbidden, and I can’t help but indulge in the futile practice.
On this night, however, I was sorely tempted to say, “Don’t you know that if you take out life insurance, you will be paying smoking rates, even if you’re only a casual smoker.” But of course, these people were years away from caring about life insurance premiums.
I kept quiet. Clearly too much actuarial science has an adverse effect on the brain. Perhaps I should consider quitting actuarial science, maybe become a beekeeper, and try not to think about whether beekeepers have higher disability insurance premiums.