You would be shocked to learn that, according to the insurance industry, no matter if you use gum, patches, inhalers, or e-cigarettes, in short anything you use related to nicotine you will be classified as smokers and this can impact your life insurance policy.

Smoking and vaping – difference. And how does e-cig or vaping affect insurance?

First of all, I hope you understand why smoking is an issue in life insurance. It’s one of the biggest causes of death and illness. Around thousands of people die every year due to smoking and many live with serious medical issues caused due to smoking. All of the health risks associated with smoking drastically increases the cost of life and critical illness insurance for anyone who smokes. Now when talking about vaping, it is said that it is one of the best ways of permanently getting off the cigarettes for the sake of your health. But there is no vaping or nicotine replacement category on insurance forms. You’re either a smoker or not. To be classified as a non-smoker, you need to be free of all nicotine products – not tobacco products or else you will receive the same boosted insurance premiums as smokers.

Even if you haven’t touched a cigarette for more than 2 years you won’t be able to tick the non-smoker box because according to them nicotine is nicotine and, regardless of its delivery method, it’s still bad for you. This is because the long term health effects from vaping are still not conclusive. For many insurance companies, you can only tick the non-smoker box only if you have been nicotine free for at least 12 months.

To summarize

Millions of smokers have turned to vaping to benefit their health but this, however, will not help much in terms of the insurance policy. So, by reducing the nicotine content of your vape to zero over time, you can soon report to your insurer that you’ve been happily nicotine free for over 12 months and get your premiums revised.

Please note: As a vaper or e-cig user, you cannot just say I’m a non-smoker meaning not informing your insurer of nicotine usage is classed as misinterpretation and you risk being refused a policy if you are found.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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