Whether you vape or smoke can affect a life insurance application, but insurers do not all ask the same questions or use the same underwriting approach.
This older article included a historical health comparison and assertions that insurers systematically overcharge people who vape. Those statements should not be used to predict a current premium or underwriting decision.
Answer the application you are given
Read each insurer’s question carefully. It may ask separately about cigarettes, tobacco, nicotine products, vaping and when you last used them. Give complete and accurate answers for the period the question specifies. Do not assume that a product or a period without smoking will automatically produce non-smoker terms.
Compare the actual offer
An insurer may ask for further health and lifestyle information before confirming cover. The price, exclusions and terms offered depend on its assessment of the whole application. Compare the cover as well as the premium, and check how a future change in smoking or vaping status should be reported.
Our Life Insurance guide explains the main policy choices. If you want to discuss your circumstances, use the Start Your Quote enquiry to request an adviser conversation. It is not an instant online quotation or a guarantee of a particular premium or insurer decision.
