“…High IQ individuals are associated with higher degrees of sensation seeking and openness to experiences (Aitken Harris, 2004;Raine, Reynolds, Venables, & Mednick, 2002;Wainwright, Wright, Luciano, Geffen, & Martin, 2008). For example, some studies have reported that people with higher IQs during childhood may increase the risk of illegal drug and alcohol dependency and excess alcohol intake in adulthood (e.g., Batty et al, 2008;Hatch et al, 2007;White & Batty, 2012). People who engage in riskier behaviors are significantly less likely to purchase insurance (Cutler, Finkelstein, & McGarry, 2008).…”