How Life Insurance Companies View Electronic Cigarettes

life insurance and electronic cigarettesOne of the biggest trends (if not THE biggest trend) in the smoking community are electronic cigarettes. 

Even though e-cigarettes have been around for years, most life insurance companies are taking a “wait and see” stance.

In this article we’ll cover how life insurance underwriters view electronic cigarettes.

Life Insurance for Electronic Cigarette Smokers

Currently, every life insurance company on the market will give you “Smoker” rates even if you use an electronic cigarette…except for 1 company.

There is currently 1 life insurance company offering their Standard Plus NON SMOKER rates to e-cigarette users.  With the stipulation that there’s been no “regular” cigarette use in the past 12 months.

With that said, they allow you to be positive for nicotine or cotinine in your life insurance medical exam and still get these NON SMOKER rates.

This is absolutely huge news for the e-cigarette community because you can cut your life insurance premiums in half just by using this life insurance company. 

Just call us or fill out a form on our website and we’ll provide the company’s name and quotes for their product.  It’s a household name you’ve heard of and they’re very respected in the industry.

If you’re using a personal vaporizer, e-cig or whatever you want to call it, you’re best rates will always be with this company since they give non-smoker rates to all smokeless tobacco users.

Quick Tip:  It’s important that you admit the e-cigarette use on your life insurance application.  You’re likely to test positive for cotinine and we don’t want the underwriters thinking you smoke cigarettes. 

We’re an independent life insurance comparison service, so if any other company decides they want to want to give non-smoker rates to electronic cigarette users, we’ll update this article to keep you informed.

If you’re interested in quotes from this company, please submit a request through our website or call us at 888-430-7668 and we’ll be happy to take care of you.  We have the technology to submit this life insurance company’s applications electronically – so there’s no paperwork for you and the process is very quick and easy.  If you’re able to find this article on the web, you’ll be able to complete the application electronically.

Bottom Line.  Don’t pay smoker rates for life insurance with e-cigs!  There’s a very well known, highly rated and respected life insurance company that wants your business and knows you’re not a bigger risk that cigarette smokers.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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