Non-combustible tobacco products are those that do not require burning the tobacco for consumption. Vaping, or electronic cigarettes, is a type of non-combustible tobacco that is heated at a lower temperature to create an aerosol for inhaling.
Generally, vaping is rated the same as combustible tobacco; at smoker rates.
There is a special program offered by one of our carriers that can allow non-tobacco rates for vaping if an additional biomarker lab test checked by the carrier is negative.
If eligible, the rate class can be improved from tobacco rates to non-tobacco rates with a one-class downgrade. For example, a Preferred Tobacco rating to Standard Non-Tobacco.
Contact our expert Underwriting Team to find out more about this special program.
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