Why Are Nicotine Users Charged Higher Life Insurance Premiums?

Why Are Nicotine Users Charged Higher Life Insurance Premiums?

Why are nicotine users charged higher life insurance premiums? Over the course of many years, tobacco users were clearly viewed as at risk for lung and health issues due to smoking. Now, this millennium, we have vaping on our radar.

The outbreak of lung injuries from vaping and e-cigarettes is still young. The CDC has named the vaping lung injury epidemic EVALI, standing for E-cigarette, or Vaping, Product use-associated Lung Injury.

In the EVALI report, the Centers for Disease Control and Prevention indicated that research is still ongoing to pin down all carcinogens which may be sickening the vaping users.

“CDC, FDA, and state health authorities have made progress in identifying substances of concern in EVALI,” states CDC EVALI report. “However, there are many different substances and product sources that remain under investigation, and there may be more than one cause.”

The government agency states those people using e-cigarettes or vaping devices in lieu of cigarettes should not go back to smoking cigarettes. But should be cognizant of warning signs their lungs are ill-affected from the chemical bi-product of these devices.

Adults who continue to use an e-cigarette, or vaping, product, should carefully monitor themselves for symptoms and see a healthcare provider immediately if they develop symptoms.

Symptoms include:

    • Cough, shortness of breath, or chest pain
    • Nausea, vomiting, stomach pain, or diarrhea
    • Fever, chills, or weight loss

Adults who continue to use an e-cigarette, or vaping product, should carefully monitor themselves for symptoms and see a healthcare provider immediately if they develop symptoms.

Nicotine is addictive and places you at risk to continue to use these vaping devices which distill a chemical vapor into your body. Life insurers will rate you on vaping and/or nicotine use because it is linked to substances which harm your health.

Life insurers gauge risk on health and lifestyle factors, as well as other factors, to place you in a rate class of mortality. It may sound odd, but life insurance is all based on mortality risk and the insurers investment in you to live.

Most life insurers want you to be nicotine free for at least 12 months before they will offer you a better premium rate on coverage. To find out more, you can ask one of our knowledgeable agents for no cost at 1-800-556-9393, or visit LifeQuotes.com today!

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