E-cigarette Smokers and Life Insurance Rates
th Aug 2018 |
Most Irish operating life insurance companies now class E-cigarette Smokers as smokers, Aviva being the last insurer to change their definition in 2018 where they were previously offering non-smoker rates if you were free of all smoking and nicotine for 12 consecutive months. However, OneQuote.ie can still get you a cheaper life insurance rate if vaping!
Vaping Life Insurance Rates
Applicants using cigarettes, e-cigarettes or other nicotine replacement products are regarded as smokers. But if you are off cigarettes for 12 or more consecutive months and vaping, OneQuote.ie can get you a special rate!
Getting Lower Insurance Rates
To be assured of lower life cover rates for life insurance products including, mortgage protection, serious illness cover, and income protection, you must be 12 months free of tobacco for 12 consecutive months.
To get full Non-smoker rates, you must also be off e-cigarettes and nicotine replacement products for a further 12 months.
No matter which category you fall into OneQuote.ie offer up 20% life insurance policy discount to all applications in addition to special vaping rates and ex-smoker rates.
Still on Cigarettes – You still Save!
If you do want to apply now as a smoker to avail of our discounted prices on all leading market policies, once you reach 12 months free of all tobacco and nicotine related products, we can switch your policy to a new cheaper no-smoker policy.
I recommend giving me a call on: 01 845 0049, so as I can talk you through the process.
Ken O’Gorman – QFA
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