Does Nicotine Use Affect Life Insurance Premiums?

Why are smokers subjected to higher life insurance premiums? Tobacco users were clearly viewed as being at risk for lung and health issues due to smoking for many years. We have vaping on our radar this millennium.

The vaping and e-cigarette lung injury epidemic is still in its early stages. The CDC has designated the vaping lung injury epidemic as EVALI, which stands for E-cigarette or Vaping Product Use-Associated Lung Injury.

The Centers for Disease Control and Prevention stated in the EVALI report that research is still ongoing to identify all carcinogens that may be sickening vaping users.

According to the CDC EVALI report, “the CDC, FDA, and state health authorities have made progress in identifying substances of concern in EVALI.” “However, many different substances and product sources are still being investigated, and there could be more than one cause.”

According to the government agency, people who use e-cigarettes or vaping devices instead of cigarettes should not resume smoking. However, they should be aware of any warning signs that their lungs are being harmed by the chemical byproducts of these devices.

Adults who continue to use an e-cigarette or vaping product should closely monitor their symptoms and seek medical attention immediately if they develop any.

Among the symptoms are:

  • Cough, shortness of breath, or chest discomfort
  • Vomiting, nausea, stomach pain, or diarrhea
  • Fever, chills, or loss of weight

Adults who continue to use an e-cigarette or vaping product should closely monitor their symptoms and seek medical attention immediately if they develop any.

Nicotine is addictive, putting you at risk of continuing to use vaping devices that emit a chemical vapor into your body. Life insurers will rate you based on your use of vaping and/or nicotine because it is linked to substances that are harmful to your health.

Life insurers assess risk based on health and lifestyle factors, among other things, to assign you to a mortality rate class. It may seem strange, but life insurance is entirely based on mortality risk and the insurer’s investment in your ability to live.

Most life insurers will offer you a lower premium rate on coverage if you have been nicotine free for at least 12 months. To learn more, contact one of our knowledgeable agents at 1-800-556-9393 or visit LifeQuotes.com today!

COMMENTS

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