If you’re one of the estimated seven million people in Europe using e-cigarettes such as Intellicig, do you now consider yourself a smoker or a non-smoker?
It’s a question that really divides opinion among e-cigarette users. Some believe that, because they no longer smoke tobacco cigarettes and use a smoke-free alternative instead, they are no longer smokers. On the other hand, some would argue that even though e-cigarettes are a remarkable substitute for smoking tobacco products and contain significantly fewer of the known harmful chemicals produced when burning tobacco, they are still smokers.
The debate came to the fore this week when The Daily Telegraph published an article - “E-cigarettes: Will they make life insurance cheaper?”
We know that smokers are penalised in terms of life insurance premiums, but would that be reconsidered if the person had switched to electronic cigarettes?
There is no definitive answer just yet. As we enter an era of increasing e-cigarette use, many organisations and industries are still playing catch-up in terms of adapting to this new phenomenon.
Interestingly, the article refers to an insurance broker near to our headquarters in Manchester which is pioneering a new approach. Suttons Independent Financial Advisors is reported to have successfully arranged cover, at non-smoking rates, for a number of clients who use only e-cigarettes. But the Association of British Insurers argues that there is not yet enough medical evidence on e-cigarettes to make a categorical decision.
What’s your experience of applying for life insurance? If you’re using Intellicig e-cigarettes, do you think of yourself as a smoker, or a non-smoker?