Can vapers get life insurance?

So, what’s the deal with vaping and life insurance? If you’re reading this blog, you probably want to find out, so let’s get straight into it.

Can you still get life insurance if you vape?

Yes!

Whether you smoke or vape, you could still get a life insurance policy, however, your monthly premiums might just be a little bit more expensive.

What if you used to smoke and now you vape?

If you have recently switched from smoking to vaping then most life insurance providers will still class you as a smoker.

However, if you switched to a nicotine free vape more than 12 months ago, then it’s worth checking with your provider, as some insurers have an exception to the rule when it comes to nicotine free vapes.

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Is life insurance cheaper for vapers than smokers?

Usually, no.

Most insurers categorise vaping on the same level as smoking. This is because it is the nicotine that they are concerned with, rather than the smoking method.

How much more expensive is life insurance if you vape?

Your monthly life insurance premiums will be calculated using several different types of criteria and is not just based on your smoking status, the following will also be considered - just to name a few:

  • Age
  • Health and lifestyle
  • Occupation
  • BMI
  • Family medical history

Thinking of being dishonest on your application?

If you’re considering being dishonest about your nicotine habits on your life insurance application, we are here to tell you to not do this.

Not being accurate about your health and lifestyle when arranging your policy is called ‘misrepresentation’, and could result in you or your loved ones not benefitting from the pay-out of your policy!

What is the best insurer for vapers?

At Busy Bee, our forte is providing free, impartial life insurance advice. So if you’re a vaper and you aren’t sure what policy you need or what provider is right for you - we can help.

Our team of protection specialists can evaluate your circumstances and find the cover that's right for you. Click the button below to get started.

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Considering quitting?

The effect that quitting vaping has on your monthly premiums is much the same as quitting smoking. If you quit and have remained nicotine free for a minimum of 12 months you would be classed as a non-smoker in the eyes of most insurers.

So if you’re needing an extra push to quit vaping, then do it for your health, and to save yourself some money on your life insurance premiums too!