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Life insurance definition of smoker?

  • 06-03-2017 12:02pm
    #1
    donotvalidate
    Registered Users, Registered Users 2 Posts: 45 ✭


    Hi,

    I've been trying to get quotes online for life insurance. I smoke an e-cigarette only, no tobacco. Some companies give the option of choosing e-cig but some don't. Am I a smoker in their eyes or are all companies different on their views?

    Thanks


Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,719 ✭✭✭✭Atlantic Dawn
    M


    Some insurers classify e-cig users as smokers, double check the policy documents when you get them to be sure, useful info here...
    Irish Life: at present someone who uses e-cigarettes (ie no other tobacco-related products) is classed as a non-smoker (Please note this may change in the future).

    Aviva: smoker rates

    Zurich: rate “e-smokers” at +50%, assuming that they have already been off (tobacco) cigarettes a minimum of 12 months, the reason being the likelihood of these smokers returning to full smoking habit is quite high.

    Caledonian: considers anyone smoking tobacco or e-cigarettes, or anyone using nicotine replacement patches, gum etc in the past twelve months to be a smoker. Smoker rates will apply to that client.

    New Ireland: classes e-cigarette users as non-smokers, but this is currently being reviewed.

    Friends First: smoker rates

    http://www.mortgagebrokers.ie/blog/financial-literacy/does-an-e-smoker-have-to-pay-higher-insurance-prices-like-a-smoker-does/


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