Financial adviser Carolyn McClanahan shows clients how the cost of life insurance varies based on weight and smoking status. Although we all agree being overweight or smoking is far from healthy, McClanahan shows that it is also extremely costly. Falling into both categories can raise premiums far beyond what a healthy individual pays. If this information was made transparent  to millennials, it could be a real life saver. Helping individuals in there 30's strive build a healthy lifestyle both physically and financially, once they enter their 40's.