With the recent statement by the Food and Drug Administration that electronic cigarettes should be controlled as tobacco products, AccuQuote, one the states biggest and most respected term life insurance quoting and brokerage firms, recommends tips to help e-cigarette users find reasonable term life assurance. “Because e-cigarettes are now treated the same as nicotine patches and nicotine gum, for the purposes of life assurance rates, users must be aware that costly mistakes could be made if they get a life insurance policy from the incorrect company,” claims Byron Udell, founder and Manager of AccuQuote. AccuQuote counsels the following advice for finding life insurance quotes offering some e-cigarette users more favorable rates :

  • Shop around – The key is finding the right company that will offer certain (typically non-cigarette) nicotine users more agreeable rates – infrequently, even nonsmoker rates (depending on the kind of tobacco used and the frequency). For example, some corporations simply ignore the fact you smoke an occasional cigar for the purpose of pricing. Other corporations don’t.
  • Cope with a multi-carrier broker – To avoid smoker rates, generally triple the price offered to non-tobacco users, an e-cigarette user purchasing life assurance needs to be aware which carriers treat them as a cigarette smoker.
  • Only an agent that has access to a broad range of carriers will likely know which life insurance company might offer the most expedient term life insurance rates to a specified person, based on their individual profile.
  • Don’t lie on your claim – Because premiums offered to those who use tobacco use are often triple those of people that don’t smoke, some people are tempted to lie to get a better term life assurance rate, but doing so could put the existence of the protection in danger.

“To get rid of overpaying for life assurance, e-cigarette users should work with a multi-carrier insurance broker to help establish which insurance carriers require testing negative for nicotine to be accepted for non-smoker rates and which of them find testing positive for nicotine acceptable,” announces Udell. “These brokers enable e-cigarette users with the data to purchase life assurance confidently today.” Contact AccuQuote for information on life insurance and strategies that e-cigarette smokers can save cash. Call 888-314-4455. About AccuQuote AccuQuote helps consumers find the best values in term life insurance by combining instant online life assurance quotes with the personal service of fair life insurance pros who answer questions, identify vital issues and make meaningful recommendations.

The company offers patrons an intensive choice of life assurance products, including term life, whole life, universal life, random death, long-term care, disability and selected pensions. AccuQuote has many convenient insurance tools, including a term life assurance calculator to help consumers establish their life assurance wishes a dictionary of industry terminology, a collection of articles and PR releases that cover many life insurance subjects and a blog that provides chances for discussion on life assurance and personal finance. For additional info or to get free quotes for low cost life insurance, please call AccuQuote at 888-314-4455.

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