Using any tobacco or nicotine products (like cigarettes, vapes, or gum) makes you a smoker in the eyes of insurance companies. This usually means higher rates, sometimes by up to 40%.
The good news? If you quit for at least 12 months, we can help you get a better rate. We’ll work with the insurance company to verify you’ve quit and update your policy.
Things to keep in mind:
- Marijuana: Regular marijuana use also falls under the “smoker” category.
- Cigars: Some companies allow occasional cigar smoking (like one a month) while still qualifying for non-smoker rates.
- Honesty is key: It’s always best to be upfront about your smoking habits. If you’re not, you could risk your claim being denied later on.