Being teetotal is bad for your health and that is a medical fact. It will go down as a down mark on a life cover application. Moderate drinking will add around 4 years to your life expectancy. Do as you see fit Snook.
As a committed drinker who enjoys the social aspect of it, I used to use the same myth that being teetotal actually decreases you life expectancy and therefore drinking increases my life expectancy !!.
However last year I was listening to the radio and they said that was flawed research, by all accounts they didnt factor in that many of those responding to and confirming their non drinking status, were in actual fact ex alcoholics or extremely heavy drinkers that had already effected their likely life expectancy anyway.
If you think about it that sounds about right, any teetotallers that I know and there arent many, tend to be teetotal due to health concerns either as a direct result of their drinking habits or associated health problems that alcohol might effect.
So in many ways those teetotallers researched were already 'damaged goods' and I would suspect up against the majority of responsible drinkers painted a flawed conclusion.