You’ve spoken to your local agent because you use e-cigarettes, and they quote you a smoker rate.
The smoker rate is more than you can afford or want to spend, but you know you need life insurance to protect your family.
Non-smoker rates for e-cigarette users are available!
We can currently offer nicotine based e-cigarette users non-smoker rates from two different A+ (Superior) AM Best rated quality insurance companies.
If you happen to use non-nicotine based e-cigarettes for that hand to mouth “smoking ritual,” then we have many more companies that will consider you for non-smoker rates.