Life Insurance For Vapers Does vaping count as smoking? It depends on the insurer

Most insurers class vapers as smokers, but some offer non-smoker rates for vapers and e-cigarette users. A broker compares options to find you the best deal.

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Vaping & Life Insurance — What You Need To Know

Insurers treat vaping differently. Comparing saves money.

Most Insurers Class Vapers As Smokers

The majority of UK life insurers class vaping and e-cigarette use the same as smoking. This means higher premiums than non-smokers, typically 50-100% more.

Some Insurers Offer Non-Smoker Rates

A small number of insurers now recognise that vaping carries lower health risks than smoking. These insurers may offer vapers non-smoker or reduced rates — saving you hundreds over the policy term.

Always Declare Vaping

Never hide your vaping status. Non-disclosure can void your policy and your family may not receive a payout. Declare it honestly and let a broker find the best rate.

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Vaper vs Smoker vs Non-Smoker Premiums

Typical monthly costs for £200,000 level term cover (25 years).

Age	Non-Smoker	Vaper (Best Rate)	Smoker
30	£8-12/month	£8-15/month	£14-20/month
35	£10-16/month	£12-20/month	£18-28/month
40	£14-22/month	£16-28/month	£26-40/month
45	£22-35/month	£25-40/month	£40-60/month

Vaper rates vary significantly between insurers. A broker compares to find the best deal for your situation.

Vaping & Life Insurance FAQs

Common questions about vaping and life cover.

With most insurers, yes. However, some insurers now offer vapers non-smoker or reduced rates. A broker can find which insurers offer the best rates for vapers.

Yes, always. Most application forms ask about nicotine use in any form, including e-cigarettes, vaping and nicotine patches. Non-disclosure can invalidate a claim.

With most insurers, yes — typically 50-100% more. But with the right insurer, vapers can get rates close to non-smoker levels. Comparing is key.

Any nicotine use in the last 12 months typically classes you as a smoker/nicotine user. Some insurers have different thresholds. A broker can advise on your specific situation.

Yes. Nicotine replacement therapy (patches, gum, lozenges) is usually classed the same as smoking by most insurers until 12 months after you stop using them completely.