WARNING: This product contains nicotine.
Nicotine is an addictive chemical.

Paying for More than that Carton – The Often-Overlooked Costs of Cigarette Smoking

Walking into a convenience store and purchasing a pack (or carton) of cigarettes and a new pack of lighters are the obvious costs associated with smoking cigarettes. However, there are other costs that people do not always think of (or immediately link to) when they ask themselves what smoking costs them. Health costs and insurance premiums are just two of the most obvious.

Life and health insurance premiums

One area where smokers pay more is more life and health insurance. For example, a smoker who is 30 years old can pay anywhere from 16 to 41% higher insurance premiums that a non-smoker according to data from Assurant Health.

That can add up to substantial out of pocket expenses. In addition to health insurance premiums being higher, a smoker's lifespan tends to be shorter, which is why life insurance costs can be nearly double that of a non-smoker's. This rate increase could mean thousands more dollars per year.

Health care costs

It's also true that smokers are at a higher risk for catching colds and sinus infections, which of course leads to more expenses for medication and doctors' visits. Of course, cigarette smoking can put someone at a higher risk for cancer, cardiovascular disease and chronic obstructive pulmonary diseases, which carry a high cost, even with good health insurance.

Smokers also tend to have higher dental costs as smoking cigarettes has been linked to gum disease (periodontitis).

Other insurance premium costs

While not typically thought of as being connected to smoking, other insurance premiums can be increased as well. Homeowner's insurance can be higher because some may see smoking in the home as higher risk of house fire. In addition, car insurance can be higher. Statistics show that smokers get into more accidents, resulting in higher insurance rates. This higher risk of a car accident is caused by distractions such as lighting the cigarette, dropping lit cigarettes, or scrambling around looking for a lighter.

Loss of income

As already mentioned, smokers have a higher likelihood of illness, and as such, may miss more days of work. This of course means less income. Various statistics also show that a smoker's Social Security and pension contributions are much less than a non-smoker's, which of course means less income during retirement.

 Moreover, statistics show that, on average, smokers pay less into Social Security and pensions because they work less than non-smokers do. As a result, when they retire, they will receive less money.

Benefits of stopping smoking

If you are currently a smoker, then trying to stop smoking can benefit you in several ways. First, your budget will appreciate it. More importantly, you can greatly reduce your chances of developing any of the conditions linked to smoking.

Smokeless cigarettes provide an alternative way to get the nicotine your body craves at a much lower cost. Although there are upfront costs to get started, they do level out over time.

SouthBeach offers several kinds of smokeless cigarette starter kits that provide you with all the tools you need. In addition to offering starter kits and other accessories, you can browse our blog and knowledge center to learn more about the world of vaping and smokeless cigarettes.

Shop Now

Company Logos

WARNING:  The products listed on this site may contain nicotine.  Nicotine is an addictive chemical. The South Beach Smoke products listed on this site are intended for use by persons of legal age (at least 21) or older in your jurisdiction, and not by children, women who are pregnant, or may become pregnant, or any person with an elevated risk of, or preexisting condition of, any medical condition, which includes, but is not limited to, heart disease, diabetes, high blood pressure or asthma. If you experience any side effects or possible side effects, stop using the product immediately and consult a physician.  These products may be poisonous if orally ingested and are not intended to treat, prevent or cure any disease or condition. For their protection, please keep out of reach of children and pets. These products are not smoking cessation products and have not been tested or guaranteed as such. Neither the Food and Drug Administration nor any other health or regulatory authority has not evaluated the safety of these products or any of the statements made by the manufacturer. The manufacturer is not responsible for any damage or personal injury caused by inappropriate, incorrect, or irresponsible use of our products. We reserve the right to change specifications, product descriptions, product quality, pricing and application at any time without prior written or oral notice.

When recharging devices, use only the charger provided.  Use of unauthorized chargers (including car chargers or car charger adapters) may lead to overheating and possible burning of items in contact with the device.  South Beach Smoke is not responsible for battery and charger explosions, fires or malfunctions due to the use of unauthorized chargers or product misuse or abuse.

CALIFORNIA PROPOSITION 65 - WARNING: South Beach Smoke products can expose you to (a) chemicals, including nicotine, known to the State of California to cause birth defects or other reproductive harm, and (b) chemicals, including formaldehyde and acetaldehyde, known to the State of California to cause cancer.