How will e-cigarette use affect my ability to get affordable life insurance?


Electronic cigarettes are quickly growing in popularity.

Over the past year, electronic or “e-cigarettes” have grown in popularity. These battery-powered devices turn a liquid form of nicotine into a vapor that can be inhaled by the user. Unlike a traditional cigarette, neither tobacco nor smoke is inhaled. While some former tobacco users have said that using e-cigarettes helped them quit their habit, these devices have not yet been determined to be safe by the Food and Drug Administration. 

Since using an e-cigarette is technically not smoking and involves no tobacco, you may be wondering if a user of this product would qualify for non-smoker life insurance rates. Life Insurance companies classify policy holders as smokers or non-smokers based on whether or not nicotine is found in an individual’s system after a blood test. As such, an e-cigarette user would not qualify for non-tobacco life insurance rates. 

Recently, though, a small number of life insurance companies have said they would allow e-cigarette users to be eligible for non-tobacco rates if they meet the qualification of forgoing tobacco use for at least 12 months. If you are interested in learning more about this, it would be wise to get in contact with an independent insurance agent who is knowledgeable about the different underwriting rules of each life insurance company. 

If you want to qualify for an affordable life insurance policy, it is in your best interest to not use tobacco or nicotine in any form. For competitive term life insurance quotes, use our online quote engine to explore which policies may be the best fit for you. 

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