When you apply for life insurance, the company is going to look at every area of your life. Everything from your job to your weight. One of the most important factors that they are going to review is if you use any tobacco or if you smoke. Being a smoker can force you to pay drastically higher rates for your life insurance coverage.
Life insurance is one of the most important purchases that you can ever make for your loved ones. But there are a lot of people that don’t have life insurance because they assume that it’s going to be too expensive. Don’t let your e-cigs keep you from getting the insurance protection that your family will need.
With the popularity of smoking cigarettes decreasing and the high rates for life insurance when smoking, many smokers are turning to tobacco alternatives, most prominently the e-cigarette. These electronic cigarettes are intended to mimic the feel of smoking tobacco, but the user is actually smoking vapor. While society is moving forward, most life insurance companies have yet to recognize that e-cigarettes do not pose the same risks as tobacco cigarettes – except for one life insurance company. This article will cover how you can get non smoker rates when using an electronic cigarette (e-cigarette).Unfortunately many e-cigarette users aren’t aware that you can get non smoker rates for life insurance. Non-smokers pay significantly lower rates for life insurance – usually 60 or 70% less than smokers. Let’s take a look at an example:
Smoker vs Non Smoker Rates
A 40 year old male of average health, let’s say 6’0 230 pounds applying for $250,000 can get a 20 year term a Standard Non Tobacco rates for $34 per month. By comparison the same 40 year old smoker would be over $90 a month for the same policy!
It’s important that you find a company that is going to offer you non-smokers rates if you smoke e-cigarettes. Some companies are going to charge you much more. As you can see from the quote above, smokers are going to pay around twice as much for their coverage versus what a non-smoker is going to pay for the same sized plan.
Prudential Life Insurance for Electronic Cigarette Smokers
Many e-cigarette smokers are turning to insurance companies that offer more affordable rates. Prudential is one of those insurance companies. This is one of the only companies on the market that will not give you smoker rates if you have not used cigarettes for at least a year, and instead use e-cigarettes.
In fact Prudential is extremely friendly to tobacco users of all kind. They offer non smoker rates if you smoke a cigar, a pipe, chew tobacco, e-cigarette, and even for marijuana smokers. As long as you don’t smoke cigarettes, you can get non smoker rates with Prudential.
It makes sense that so many e-cigarette smokers are turning to Prudential for their smokers life insurance needs. If you use e-cigarettes you are living a healthier lifestyle than other smokers.
Getting Cheaper Life Insurance
If you’re worried about getting life insurance because of the cost, don’t worry anymore. In most cases, applicants are surprised to see how affordable life insurance can be. There are several ways that you can lower rates and keep more money in your pockets. Making a couple of changes in your day-to-day routine could save you thousands and thousands of dollars.
The first thing that you should do is improve your overall health. Before you can get approved for life insurance, you’re going to have to take a medical exam. The medical exam is going to look at your weight, blood pressure, heart rate, and much more to determine what kind of shape you’re in. The better that your health is, the less that you’ll pay for your life insurance. The two best ways to improve your health are to start going to the gym and making healthier food options. Both of these can help you lose weight and reduce your risk of being diagnosed with health complications.
The best way to ensure that you’re getting the lowest insurance rates is to compare dozens and dozens of plans before you decide which one is going to work best for you. Every company is different, and all of them use different medical underwriting. Finding the perfect company is the difference in getting an affordable policy or getting one that is going to break your bank every month.
There are hundreds of companies on the market, which means that you could spend days calling different companies. Instead, let us do all of that work for you. It’s our mission to ensure that you’re getting the perfect policy. We are a group of independent insurance agents, which means we work with dozens and dozens of highly rated companies across the country. Prudential is only one of the companies that we represent. We can bring a personalized set of quotes directly to you. Working with one of our agents will save you both time and money on your search.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance protection that your family deserves. If something tragic were to happen to you, and you didn’t have coverage, your loved ones would be responsible for all of your bills and other debts.
We are Prudential life insurance agents and can help you get non tobacco rates for using an e-cigarette. Compare rates using our quote form on the top right of this page or call us at 888-552-6159 and we can discuss quotes and help you apply for life insurance.