In the insurance biz, when the chance of a payout is higher (all else equal), the insured must pay a higher premium to compensate the insurance company for the added risk.
During the Colonial period, alcohol abstainers had to pay one life insurance company rates 10% higher than that of drinkers. Of course, today we know that abstainers tend not to live as long as moderate drinkers. 9
That interesting tidbit is from this list of alcohol-related early American History items.
HT to the Door.