How E-Cigarettes effect Life Insurance for Generation X

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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, 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,


Robert Weigel

Term Life Insurance Agent for Generation X

(615) 525-6165




Smoking Cigarettes and Life Insurance for Gen Xers

By | Tobacco | No Comments

It’s no longer cool to smoke cigarettes. I know that comes as a shock to everyone reading this article—probably not.

In the 1950’s, smoking cigarettes was glamorous; in fact, celebrities—the likes of James Dean and Humphrey Bogart—endorsed different cigarette brands.

And who can forget the Marlboro man. The handsome cowboy on horseback herding his steer with an unfiltered Marlboro Red cigarette in his mouth.

Rugged, independent, bad-ass and also, inspiring a generous to smoke the cancer-causing agent.

Things have changed a lot since the peak of cigarette consumption back in the 1950’s; it’s estimated that only around 16% of the U.S. population still smokes regularly. And that’s a good thing.

Now, this is not a cigarette-smoker-bashing-article. I smoked back in my college days. Most of the people I know have smoked intermittently or habitually at some point in their lives. This is especially true for most Gen Xers (people like me in their mid to late 30’s, 40’s, and early 50’s). Our generation was the last gasp of socially-acceptable cigarette use. These days, if you see someone at a party or at work smoking cigarettes, people treat them like a pariah. The smoker has to hide their cigarette and is both directly and indirectly made to feel guilty about smoking. That’s a discussion for another day and another article.

For Gen Xers and for my purposes in writing this article, quitting cigarettes is the single best decision you can make to increase the quality and longevity of your life, and your decision to quit has an immediate impact on your life insurance.

(If you have read enough about smoking cigarettes and life insurance and just came here to get life insurance quotes, go here. The link will redirect you to a life insurance quoter where you will be able to get life insurance quotes from around 20 different A-rated life insurance companies within about five minutes. Some of these companies include Prudential, Mutual of Omaha, and AIG just to name a few.)



What’s in a cigarette, and how is smoking cigarettes bad for you?

“A cigarette is a narrow cylinder of finely cut tobacco leaves that are rolled into thin paper for smoking”. (credits here).

Cigarette smoke is comprised of the following:

  • “4,000 chemicals,
  • 400 cancer-causing compounds,
  • 400 other toxins,
  • nicotine, tar, and carbon monoxide, as well as formaldehyde, ammonia, hydrogen cyanide, arsenic, and DDT.” (credits here).

Sounds healthy and delicious, right? well, it’s not.

Smoking is bad for your health in the following ways:

  • BRAIN—“Smoking can increase the likelihood of having a stroke by 2 to 4 times. Strokes can cause brain damage and death.”
  • BONES—“Smoking can make bones weak and brittle, which is particularly dangerous to women, who are more prone to osteoporosis and broken bones.”
  • CARDIOVASCULAR SYSTEM—“Smoking causes plaque to build up in the blood. Plaque sticks to the walls of arteries making them narrower; this reduces blood flow and increases the risk of clotting. Smoking also narrows the arteries, making it harder for blood to flow, as well as increasing blood pressure and heart rate. Also, chemicals in tobacco smoke increase the chance of heart problems and cardiovascular diseases. Some of the most common are coronary heart disease, heart attack, and heart-related chest pain.”
  • IMMUNE SYSTEM—“The immune system protects the body against infection and disease. Smoking compromises this and can lead to autoimmune diseases, such as Crohn’s disease.”
  • LUNGS—“Perhaps the most obvious part of the body affected by smoking is the lungs. There are many lung and respiratory problems caused by smoking; here are three of the most common—Chronic obstructive pulmonary disease (COPD), Chronic bronchitis, Emphysema.”
  • SKIN—“Smoking reduces the amount of oxygen that can reach the skin, which speeds up the aging process of the skin and can make it dull and gray.”
  • CANCER—“As well as the lungs, smoking is also a risk factor for these types of cancer, among others—mouth, larynx (voice box), pharynx (throat), esophagus (swallowing tube), kidney, cervix, liver, bladder, pancreas, stomach, colon/rectum, and leukemia.”
  • Etc. (Please read the entire source quoted here at Medical News Today. It is an excellent article and particularly good for the layman. Here is the link to the article. Credits here.)

All in all, smoking adversely effects just about every part of your body.


So, how does smoking effect Life Insurance for Gen Xers ?

The short answer: Life Insurance rates increase significantly if you smoke cigarettes.

Why? Because cigarettes decrease life expectancy by an average of 10 years. Yes, I agree there’s a big difference between the smoker who consumes 3 cigarettes a day and the smoker who smokes 40 cigarettes a day. Nonetheless, smoking cigarettes even in small amounts will take a toll on your health over the long haul.

Here’s what life insurance companies look at when assessing the life insurance application of a Gen Xer who smokes cigarettes:

  • NUMBER OF CIGARETTES SMOKED A DAY—As said above, there’s a big difference between the 3 a day smoker and the 40-cigarette a day smoker. Life Insurance companies are aware of the difference.
  • HOW LONG HAVE YOU SMOKED—The longer you smoke, the greater the toll on your health. Life insurance companies are aware that there’s a big difference between the user who has smoked for 20 years, and the user who has smoked for 2 years.
  • MEDICAL RECORDS AND MEDICAL EXAM—As a prerequisite for getting life insurance, life insurance companies are going to look into your medical records which will be able to tell them if you smoke or not. Your medical records are also a good indication of your overall health. If you are applying for a larger life insurance policy, most life insurance companies are going to make you take a medical exam which will test your body for nicotine as well as gauge your overall health.

You are not doomed to a high life insurance rate if you are smoker—if you quit for up to a year, you can petition the life insurance company to change your rates from smoker to non-smoker. Of course, you’ll have to take the medical exam again to prove you are not a smoker, but it’s definitely worth the effort.

I hope this been a helpful, overview article on smoking and life insurance for Gen Xers.

If you need quotes for life insurance, go here. If you prefer to talk to me about your life insurance needs, call me at (615) 525-6165, email me, or message me through


Until next time and until next life insurance article,


Robert Weigel

Term Life Insurance Agent for Generation X

(615) 525-6165