Non-Tobacco Premiums for E-Cigarette Users & Vapers

Only ONE highly rated brand name insurer offers a lab test that makes it easy for e-cigarette users (vapers) to qualify for non-tobacco rates, cutting premiums in about half. Let’s look at a recent request:

Kayla, F, 26, attorney, vapes daily, needs $3M 20-year level term for income replacement purposes

• Tobacco premium = $3,024.70
• Non-tobacco premium = $1,535.01
• Annual savings for non-tobacco premium: $1,489.69 = 49% Discount
• Total Savings over 20 years: $29,798.80

Opportunity for Financial Advisors

Are working with an e-cigarette user or vaper who needs life insurance? Connect with your CPS Advantage Representative to survey the market and identify our industry’s top solution(s).  Or just email us your request and we’ll respond quickly.  We look forward to making it easy for you and your client to acquire life insurance coverage that’s best for them.