You probably know that life insurance companies aren’t a fan of cigarettes. You know about smoker’s rates and how expensive they can be, but how do e-cigs fit into the life insurance equation?
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. E-cigs are new to the market. A lot of insurance companies don’t know how to rate these e-cig smokers.
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. Let’s look at some of the ways to save money.
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.
The second tip is to compare, compare, compare. You probably don’t want to spend all day calling companies to get quotes, but it’s one of the best things to do.
While two companies might offer the same kind of plan, the premiums will not be the same. One company is going to have more affordable rates, which means it’s vital you gather a variety of quotes before picking one of them.
Here’s the bad news, there are over 6,000 insurance companies out there. Each one with different plans and prices. If you were to spend all-day calling these companies, you would still spend months getting quotes.
Let us save you some of that time. At Best Life Quotes, we are partnered with over 30 companies. We can bring a whole set of quotes.
Buying life insurance isn’t easy. If you’re an e-cig smoker, you want to be careful of applying for a company which is going to give you smoker’s rates. Finding a company who is going to give you non-smoker’s premiums is going to save you thousands and thousands of dollars throughout the course of your insurance plan.
If “buy life insurance” has been on your to-do list for years, it’s time you finally cross it off of your list. We can make the whole process as painless as possible.
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.