Most insurance companies require an applicant to be tobacco free for 12 months before they qualify for non-smoker rates. To qualify for preferred rates, (which are further discounted rates given to applicants in very good health with very good family health history) most life insurance companies will require the applicant to be tobacco-free for three to five years. The difference in rates could be due to the less probability of a non-smoker getting sick that a smoker. Smoking can cause various health issues related to the heart, lungs as well as oral health, for which one may have to seek professional help (for instance, perhaps a Herndon dentist for teeth and gums issues).
Hence, if a person has been a non-smoker for a set period of time (i.e. three to five years), they can get special privileges, one of which is a low insurance premium rate. So as some insurance company policies state, it is TOBACCO free, so does that mean if an insurance holder were to smoke using vaping products. Say, for example, vapes like those you can find on sites like Liquide Cigarette Electronique and others, they’d be eligible for a life insurance policy with non-smoking rates?
The following are some additional points to consider:
For more details on and no medical life insurance in Canada, please contact us at 1-866-899-4849 or visit our No Medical Life Insurance Quote Page.
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