For Generation Xers like me (people in their mid to late 30’s, 40’s, and early 50’s), an electronic cigarette (or e-cigarette for short) is a relatively new invention that can have a significant impact on life insurance rates, both directly and indirectly.
What is an e-cigarette, and how does an e-cigarette work?
E-cigarettes are hand-held, battery-powered devices that contain liquids comprised of nicotine and other chemicals. They have been available to the masses since around 2005.
The liquid in an electronic cigarette—which is comprised of nicotine and other chemicals and flavorings—is heated up and turned into a vapor when a person inhales and exhales the e-cigarette. The process of inhaling and exhaling with an e-cigarette is commonly known as vaping.
Are e-cigarettes harmful to the body?
The short answer: yes. Granted, electronic cigarettes are not as harmful as regular cigarettes to the user because e-cigarettes do not have tobacco; however, that does not mean that e-cigarettes are not harmful to your body at all. Vaping is harmful to your body in the following ways:
- Vaping everyday doubles the user’s chance of having a heart attack,
- Many of the toxic chemicals found in cigarettes—which can at the least compromise your lungs, immune system, and brain—are also found in electronic cigarettes, (Credits Here)
- E-cigarettes typically contain nicotine, which is the same addictive component of regular cigarettes,
- E-cigarettes components can malfunction causing burns to hands, face, and other part of the body. (Credits Here)
In addition to the primary ways in which vaping is harmful to the body as aforementioned, e-cigarettes target younger people. How? Because most e-cigarettes have flavorings to induce the younger crowd to start vaping. For example, one of my best friends who quit smoking a few years back picked up vaping. His vaping had blueberry flavoring. Yes, it is kind of bizarre to see a mid-30’s man vaping with a cloud of blueberry flavoring vapor billowing around him. But, I’m glad he at least quit smoking regular cigarettes which brings me to my next point. A lot of people claim—and there are studies to prove it like this one—that vaping has helped them quit smoking regular cigarettes or, at the least, temper their addiction. This is definitely a move in the right direction. Since vaping is still new to the American masses (as I said previously, electronic cigarettes have only been widely available since around 2005), the long term effects and studies of vaping are at their onset and conservatively inconclusive.
(If you have read enough about e-cigarettes and just came here to get life insurance quotes for your family, the life insurance quoter is Here. Just enter in how much life insurance you want directly onto the quoter, your height, weight, etc., and you’ll be able to generate your own life insurance quotes from around twenty top-rated life insurance companies in around 5 minutes).
How do E-cigarettes effect Life Insurance for Generation X?
- SMOKER RATES FOR VAPING—For Gen Xers and anybody who uses e-cigarettes, even though you are not technically smoking tobacco when you smoke an e-cigarette, most life insurance companies are going to give you a smoker rating for vaping which will raise your life insurance rate significantly. Smoking is smoking to most life insurance companies, even though vaping is clearly not as bad for you as smoking regular cigarettes. If you are Gen X e-cigarette user, the trick is finding the life insurance company that will give you a non-smoker rating for using e-cigarettes. This is where the services of a good life insurance agent is invaluable and will save you a lot of money.
- BLOOD PRESSURE AND E-CIGARETTES—Nicotine, when introduced to the body, increases your blood pressure. Your blood pressure is a big consideration that life insurance companies look at when deciding your life insurance rate. Life insurance companies will measure your blood pressure at your life insurance medical exam. A higher blood pressure will yield a higher life insurance rate.
- HEART RATE AND ELECTRONIC CIGARETTES—Nicotine when introduced to the body increases your heart rate. An increased heart rate over an extended period of time can cause an abnormal heart rate, heart disease, and possibly a heart attack. Heart problems in all shapes-and-sizes will definitely increase your life insurance rates.
- CHEMICALS, FLAVORINGS, AND VAPING—The other chemicals (aside from nicotine) found in e-cigarettes and its associated flavorings are not made of vegetables. These chemicals are not good for you, and they can effect the functioning of your immune system and other major organs. What is a common way to tell if your immune system has been compromised by vaping? The simple answer: if you get a lot of colds. Decreased functioning of your immune system and other major organs as a result of vaping will increase your life insurance rates.
All in all, e-cigarettes are a mixed bag of pros and cons. E-cigarettes, on one hand, do help many long time regular cigarette smokers—like my friend—quit or at least temper their addiction. This is definitely a move in the right direction since e-cigarettes are not nearly as harmful to the user as smoking regular cigarettes. On the other hand, e-cigarettes are not good for you; vaping increases your chances of having a heart attack and effects other major organs in your body in a negative way.
From a life insurance perspective, most life insurance companies will give electronic cigarette users the same rates as regular smokers. Why? Because smoking is smoking to most life insurance companies. Finding the right life insurance company who gives the e-cig user regular non-smoker rates is where a good life insurance agent is literally worth his or her weight in gold.
If you are a Gen Xer like me and would like quotes for term life insurance, you can generate your own life insurance quotes here. Just enter how much life insurance you want in the quoter, and you’ll be able to generate your own life insurance quotes from around twenty top-rated companies in about 5 minutes. However, if you prefer to discuss your life insurance needs with me directly, you can call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or Contact Me Here.
I hope this has been a helpful article on how e-cigarettes effect life insurance rates.
Until next time and until next life insurance article,
Term Life Insurance Agent for Generation X