UPDATED : From 20.08.2019, all insurers charge smoker rates for e-cigarette use
How did you do it?
or a mixture?
For me it was Allen Carr.
Although I had to read it twice.
The first time around I stopped before the last chapter because I realised I didn’t want to quit….yet.
The mad mind of a smoker!
I’ve been off them a few years now, one of the best things I ever did.
Anyway, if you’re reading this, congratulations on kicking the habit, I know how hard it is.
I suppose you’re wondering what’s the story with ex smoker life assurance?
You will halve your current cost so if you currently pay €100 per month, as a former smoker, you will pay €50!
That’s a lot of savings over a 30 year plan (€1800 to be precise!)
You qualify for ex smoker life assurance rates if you haven’t smoked in the last 12 months.
Be careful here.
Some insurers will classify you as a smoker until you are off all nicotine products for 12 months
But some insurers will give you ex smoker life assurance rates.
Be very careful here.
Only one insurer will give you ex smoker life assurance rates if you have used electronic cigarettes in the last 12 months. The rest of the blaggards will charge you the same price as someone smoking 20 a day.
It depends on two things
1) Whether you have a conversion option on your policy.
2) Your insurer
If you have one of the better conversion options, you will be able to get non smoker rates just by completing a conversion form.
But some insurers will make you complete a whole new application to get the lower price. It may make sense to switch to a new company to get a lower price.
You complete an application form. If you have no other health issues, your insurer will offer you non smoker rates.
Previous smoking cannot be held against you now or in the future.
Have you got a question that I haventt answered or are you ready to apply for ex smoker life assurance?
Ex smoker – sounds good doesn’t it?
Good, complete the short form below and I’ll be in touch. Or give me a call on 05793 20836.
LION.ie | The Life Insurance Experts
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