Because the chances of dying from smoking - related causes is so prevalent, many life insurance companies in the U.S. charger higher rates to compensate them for the added risk of extending a policy. (lifeinsurancebyjeff.com)
In order to help compensate for this added risk, the insurance company that offers the policy will protect itself by only paying out a portion of the death benefit proceeds during the first two years. (over50lifeinsure.com)
For that reason, lenders generally charge a higher mortgage interest rate on jumbo loans to compensate for the added risk. (smartasset.com)