Wpływ palenia tytoniu na wysokość składki w ubezpieczeniach na życie w Polsce

Abstract

The analysis of death causes plays a significant role in the field of life insurance as it enables more accurate premium calculation. Tobacco is full of harmful and addictive substances. Scientific evidence has shown that smoking tobacco causes health problems throughout life, frequently resulting in death or disability. Consequently, it is considered to be a high risk factor. Tobacco consumption can be described by socio-demographic characteristics such as sex, age, living in urban or rural areas and the level of education. Tobacco addiction is characterised by average amount of cigarettes consumed per day, the duration of this addiction, the moment daily smoking begun and the type of tobacco used. Apart from that the analysis of mortality attributed and not attributed to smoking is relevant. Assessment of the yearly net premium value for the whole life insurance and term life insurance implies that smokers should pay more than non-smokers for their insurance protection.