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Will Vaping Affect My Life Insurance?

vape and life insurance

I vape now, so will insurance be cheaper?

We know that smoking is a high-risk lifestyle. With it being accountable for 25,000 deaths in the UK each year, it is no wonder. It will come as no surprise that as a smoker you will pay a higher premium for your life insurance. How about if you have quit smoking and are now vaping, does vaping affect life insurance too? 

In this blog, we are going to tell you everything you need to know about how your life insurance will be affected.

Vaping is safer. Does it affect life insurance?

vaping life insurance

Public Health England declared that vaping is 95% safer than smoking tobacco. We know that smoking contains cancer causing chemicals and is responsible for deaths and illnesses throughout the world. In fact, it is the leading cause of preventable death. However, insurance companies say you must declare yourself a “smoker” if you use any nicotine products. This includes nicotine gum, patches and vaping with nicotine.

As a “smoker” on your life insurance, you might end up paying double the premium than a nonsmoker. Some providers increase premiums for smokers by 200%. It seems fair enough for a tobacco smoker but not so much for a vaper. After all you are taking steps to stop smoking, and it is 95% safer.

While life insurance companies don’t see a difference between vaping and smoking at the moment, they may in the future. One expert at LV said:

‘As more research becomes available, we may decide to significantly reduce premiums for customers who quit smoking over a year and continue to vape.’

‘However, they would still likely pay a higher rate than someone who didn’t vape. We may require a carbon monoxide test to confirm they’re not still smoking cigarettes as well as vaping.’

vapers for life insurance

As a vaper, you have taken steps to reduce your risk of smoking-associated illnesses. Brilliant. However, vaping does affect life insurance so it might not be enough to enjoy a lower premium. While we believe that insurance companies should reward those taking steps towards their health, companies want you to be nicotine free.

There are a few reasons why insurance companies don’t want people to vape. One is because they say that there is no conclusive evidence on the long term effects of vaping. Another reason is that their testing methods for smokers do not determine whether nicotine came from an e-cigarette or a tobacco cigarette. 

How do I get a lower insurance policy?

What you need to do is first off quit the cigarettes. Once you have done that using vaping as aid you can gradually start to reduce the nicotine. When you have been on 0mg for a year you can tick the non-smoker box and enjoy a lower premium. Check out our 0mg e-liquids here >

There are some insurance companies on the market that do give discounts to vapers. Some promise as much as a 40% discount to those who vape rather than smoke. Hopefully, we will see the larger insurance companies taking this on board too. 

Can’t I just lie on my form?

vape devices

No. If you still vape with nicotine then you should declare it. While you might get a lower premium if you are found to have nicotine in your system then your insurance will be invalid. 

Some companies will require you to do a carbon monoxide test which measures how much of the gas is in your body. If you are found to be lying then the insurance company may deny paying out your death benefit. 

Other companies may test for Cotinine using urine or blood tests. This is only present in your body if you have processed nicotine. Cotinine can be in your system for up to 10 days. If it is found in your system, then your life insurance company will know you have lied on your form.

How do I quit nicotine?

We suggest, that if you are really concerned about lowering your premium, then you move firstly to vaping. You can then aim to reduce your nicotine down from 18mg, 12mg, 6mg, 3mg and finally 0mg. Once you have been nicotine free for the required time you can tick the non-smoker box and enjoy a lower premium!

Read more on the topic from Compare the Market

NEXT: Ultimate Guide to Vaping


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