When nicotine replacement products first arrived in Ireland life insurance companies had to make a decision, do they charge Nicotine Replacement users full smokers rates which are obviously more expensive than those charged to non-smokers? and for a time many insurance providers were offering non-smoker rates once you were also tobacco-free for 12 consecutive months!
Non-Smoker Rates
However, all this changed in 2018 with all Irish operating life insurance companies classing e-cigarette and nicotine replacement users as smokers. Aviva being the last insurer to change their definition where they were previously offering non-smoker rates.
Special Reduced Rates
Zurich which was offering halfway rates between smoker and non-smoker rates to nicotine replacement users ended in August 2019.
The Good News – Discounts For All Smoker Types
No matter which smoking category you fall into OneQuote.ie offers up to 20% online discounts to all applicants. So, even if you’ve yet to reach 12 months off the all nicotine replacement products to allow you full non-smoker insurance rates, you can still make huge life insurance saving through our discounted online broker rates!
I recommend giving me a call on: 01 845 0049, so that we can talk you through the process or that you run your online discounted quote across any life insurance products using the links below:
Ken O’Gorman – QFA
OneQuote.ie | Smart Financial Protection
