Life Insurance - Vapers, Vaping and E-Cigarettes

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Home » Guides & News » Life Insurance – Vapers, Vaping and E-Cigarettes

Good news for Vapers! E-cigarette users can get ‘near to’ non smoker premiums for life insurance and critical illness cover.

As you may already know most insurance companies classify e-cigarettes the same as ordinary cigarettes. Given that e-cigarettes do not contain tobacco, which is one of the most health damaging parts of a traditional cigarette, this does not seem fair.

We are pleased to say that some insurance companies can consider ‘near to’ non-smoker rates for life insurance/critical illness insurance, if you have not used tobacco products in the last year. So users of purely e-cigarettes, nicotine patches or nicotine gum would qualify for a lower premium.

The cost could be as much as half of that which you pay on smokers rates.

If you’d like to see how much cover could cost for you please feel free to request a quote below:

Categories: Life Insurance, Health

Client Reviews

Life Insurance – Vapers, Vaping and E-Cigarettes

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."