Posted by (American Life Insurance Guide 10/08/2019 ）至2019年10月1日，全美有1,080名使用電子煙的人被診斷出嚴重的肺部傷害，其中有18人因此死亡，其中加州佔兩例。一直打法律監管擦邊球的電子煙和霧化器問題，在2019年10月成為了美國社會關注的焦點。
New drugs?Prevalent among young people
According to the US Centers for Disease Control and Prevention, this timeThe outbreak is concentrated in the youth groupAmong them, 81% of the victims are under 25 years old, and the median age of death due to illness is 50 years old.
After the news report was disclosed, it caused shock to the entire American society.Currently,In addition to San Francisco, Los Angeles, California this week is advancing legislation to completely ban the sale of e-cigarettes and atomizers.
Kroger, Walgreens and Walmart haveAnnounced the suspension of sales of e-cigarette products.At the same time, many television networks in the United States have stopped accepting e-cigarette advertisements.And a well-known e-cigarette brand, which is very popular among teenagers and people who have never smoked before, will also face criminal investigation.
The US Food and Drug Administration also stated in October that consumers should stay away from e-cigarettes containing THC (tetrahydrocannabinol).In addition, consumers should also avoid using all illegal e-cigarette products, regardless of whether they contain nicotine salt, tobacco, or THC.
The economic cost of smokers applying for life insurance
Whether it is smoking e-cigarettes or traditional cigarettes, insurance companies usually tend to define them as smokers.Smokers not only face the risk of heart disease and lung disease, but also directly lead to the need to spend more money when buying insurance.
American Life Insurance Guide©️Take a 34-year-old male California applicant as an example*, who applies for an insured amount of $1,000,000Whole life insuranceFor the 20-year payment plan, smokers need to pay an annual premium of $14,307, while a "non-smoker" rating requires an annual premium of $11,321.From the perspective of premium payment,"Non-smokers" will save about $20 USD in 60,000 years.
What is the process for smokers to apply for life insurance?
Whether we smoke one cigarette for three days, consume one Pod a week, or smoke one pack of cigarettes a day, insurance companies will consider us to be "smokers."
When a smoker applies for life insurance,Insurance companyBlood tests and urinalysis will be performed to assess the policyholder’s risk.Through this process, the insurance company can identify the residual nicotine, cotinine or THC in the insured person.
Although nicotine usually only remains in the human body for 3 days, other substances last longer.Even after using cigarettes or e-cigarettes for 2-3 weeks, a routine urine test can reveal chemical residues.
At the same time, when applying, the smoking policyholder also needs to answer questions about whether or not to smoke.The most common is that the insurance company directly asks "Did you use cigarettes, atomizers and other products in the past 12 months?"
Finally, smokers have to answer questions such as "how often do they smoke" and "how often do they smoke?"The higher the frequency of smoking, the higher the premium rating.If when applyingNot tell the truth, And the subsequent inspections will face a higher premium rating in addition to the content of chemical components such as nicotine or THC.
Article summary
American Life Insurance GuideThe professional community sincerely hopes that smoking groups can start from gradually reducing the dosage to successfully quit smoking, and finally have a healthy body.For smokers who are in the application status, registered in the American Life Insurance Guide CommunityProfessional brokerIt will help to screen smoker-friendly insurance plans that can help smokers gradually quit smoking, assist smoking insured groups to successfully complete the insurance, and find solutions that can truly protect themselves and their families.
*The sample price only refers to the quotation of an insurance company. It is used for educational display and explanation in this article, and does not represent the insurance company's or actual insurance costs and commitments.
appendix
01. "Los Angeles could ban all e-cigarettes and vaping devices", 10/08/2019, LA Times, https://lat.ms/2Vp0VfT
