E-Cigs are no different if nicotine is present. There is a strong argument for those using e-cigs without nicotine, not to be considered smokers but this will ultimately be determined by the insures who have the final say.

Indeed, the cost of smoking has a significant bearing on insurance costs. You may want to consult a trusted life insurance broker in Toronto like Insurance Advantage to know more about the impact of e-cig use on your monthly premiums.

http://insuranceadvantage.ca/toronto-life-insurance-brokers-told-to-consider-e-cig-use-as-smoking/

Higher interest rates typically mean an increase in mortgage and lending rates. Fortunately, it’s not all bad news. People who own a life insurance policy or are looking to buy one from life insurance brokers in Toronto stand to benefit from this increase. Here’s how:

Certain permanent life insurance policies increase in value as your insurance provider makes a profit. As such, rising interest rates go a long way toward building an investment in your policy that you may have previously been unwilling to take. As the Canadian life insurance climate stands to improve in the next few years, you can expect to see a financial boom where investments become more secure, similar to what the country experienced in the late 70s and early 80s.

http://insuranceadvantage.ca/insurance-brokers-in-toronto-you-can-profit-from-life-insurance/