Are you a chronic smoker? I bet you have tried countless times to quit this bad habit. And I also bet you have tried all means possible: from nicotine patches, to chewing gum, to sweets and to most recent invention on the market – the E-cigarette.
E-cigarettes were designed to help smokers get rid of this harmful habit, just like the horrific images printed on the cigarette packages, not to mention the tons of studies emphasizing the bad effects of smoking on health and the glooming statistics showing how many people die annually because of smoking. Does it work? We don’t know, but we know that e-cigarettes were initially considered to be healthier for smokers.
This point of view is no longer shared by insurance companies. They say e-cigarettes are just as bad as the real ones and people with life insurance can expect to pay more if they use e-cigarettes. The insurers place the e-cigarettes, patches and other nicotine products in the same category as real cigarettes and they consider that in order to drop the habit of smoking one has to reduce the intake of nicotine. Otherwise, they have to pay higher prices for their life insurance. Like real cigarettes, e-cigarettes contain nicotine and no long-term benefit for health has been proven yet among e-cigarettes users.
Under the circumstances, an e-cigarettes smoker may be expected to pay double for a life insurance, and this in spite of some studies claiming e-cigarettes smokers have improved their health condition. The British Medical Association, however, issued a report last year saying that the long-term benefits for the health of e-cigarettes remain unclear. And that is because the product hasn’t been available on the market for a long time. According to the same association, the use of e-cigarettes should be considered as harmful as smoking.
Therefore insurance companies consider that only giving up the habit will reduce the risk of heart disease, stroke, and a variety of cancers including lung cancer associated with smoking. It is never too late to quit smoking, so don’t blame your insurance company if they charge you double for your life insurance. Just stop smoking!