Recent research finds that more people have been consuming alcohol in recent years – a trend that can be relevant to both health and life insurance rates.

The study from the Southwestern Medical Center at the University of Texas found that since 1992, drinking has increased across racial demographics, while binge drinking has also seen an upswing.

“Changes in the population due to aging, the influx of immigrant groups, and a decline in mean income level because of economic recessions can all impact trends in drinking and problems associated with drinking,” said Dr. Raul Caetano, the lead author of the study.

The study also determined that individuals who are unemployed or unmarried are statistically more likely to become intoxicated more than once a month. These findings come at a time when the nation’s unemployment rate has hovered around 10 percent for months.

Other research has found that regularly consuming a small amount of alcohol can help maintain good health and lower one’s risk for chronic conditions like heart disease. However, excessive alcohol consumption can cause a number of serious health problems in its own right, resulting in potentially higher health and life insurance premiums.

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