Life Insurance for Electronic Cigarette and Nicotine Vapor Users

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Are you one of the many former cigarette smokers who have made the switch to electronic cigarette or nicotine vaporizers?

The use of electronic cigarette devices, usually called e-cigs or “vaping” has exploded in popularity in recent years, and can help users to stop smoking traditional cigarettes while still receiving the same sensation as well as some nicotine, if desired.  Many users want to stop using nicotine for good, and can scale back the nicotine contained in the juice, which comes in a variety of flavors and is available locally and on the internet.

Life Insurance companies typically charge 40-60% more for smokers, since the health risks of traditional smoking are linked to lower life expectancy and documented health problems.  With the introduction of these new devices, some insurers have decided that they pose less of a health risk, and are now willing to offer non-tobacco plus rates to individuals who have abstained from tobacco cigarettes for one year or longer, even if they are currently using electronic cigarettes.

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Prudential is one life insurer who has decided to be more flexible when it comes to allowing electronic cigarette users to get better rates.  As long as you have not smoked for at least 12 months, you can obtain non-tobacco plus life insurance rates even if you still use the e-cigarette, or “vape”.  We are licensed and appointed with Prudential and would be happy to provide more information and quotes for your review.

Complete the information below and we will contact you with more information.

 

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