Life insurance for vapers

Vaping won’t prevent you from getting life insurance, but you’ll be considered a smoker by insurers. Vapers pay two to three times more for coverage than non-smokers.

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By

Katherine MurbachEditor & Licensed Life Insurance AgentKatherine Murbach is an editor and a former licensed life insurance agent at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.&Amanda ShihEditor & Licensed Life Insurance ExpertAmanda Shih is a licensed life, disability, and health insurance expert and a former editor at Policygenius, where she covered life insurance and disability insurance. Her expertise has appeared in Slate, Lifehacker, Little Spoon, and J.D. Power.

Edited by

Antonio Ruiz-CamachoAntonio Ruiz-CamachoAssociate Content DirectorAntonio helps lead our life insurance and disability insurance editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Since there isn’t much research on vaping and its long-term health effects, most major life insurance companies consider vape users riskier to insure than non-users.

Insurers generally treat vaping the same as smoking when determining how much you’ll pay for a policy. E-cigarette users can still buy life insurance, but they’ll pay two to three times more for coverage than their non-smoking peers regardless of the substance. 

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Key Takeaways

  • If you vape, life insurance companies will assign you smoker rates — which are two to three times more expensive than non-smoker rates.

  • You’d need to quit vaping one to two years prior to applying for life insurance to get non-smoker rates.

  • Insurance companies may have different guidelines for vaping nicotine as opposed to vaping marijuana. Working with an independent broker can help you apply with the best insurer for your circumstances.

How does vaping affect your life insurance premiums?

Vaping will generally increase your life insurance premiums when compared to premiums for people who don’t vape or use nicotine products.

When you apply for life insurance, the insurance company will evaluate your profile and assign your premiums. The fewer health conditions and risk factors you have, the less you’ll pay for life insurance.

Most insurers classify e-cig use as tobacco use because vape juice often contains nicotine, which insurers test for using a medical exam. Tobacco users receive a separate health classification, which translates into a costlier policy.

How much does life insurance cost if you vape?

Below are monthly premiums for non-smokers vs. smokers buying the same term life insurance policy. These premiums assume the person in question is vaping nicotine.

If you vape marijuana, you may not qualify for the lowest smoker rates with some insurers. A Policygenius agent can help you compare quotes to find the right policy for your vaping history.

Age

Gender

Non-smoker

Smoker

20

Female

$22.65

$60.59

Male

$30.20

$76.43

30

Female

$22.98

$65.75

Male

$29.32

$80.95

40

Female

$35.27

$113.40

Male

$42.94

$145.39

50

Female

$78.29

$257.05

Male

$102.50

$351.50

60

Female

$194.16

$617.51

Male

$268.04

$887.93

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Methodology: Average monthly rates are calculated for male and female smokers and non-smokers in a Preferred or Preferred Tobacco health classification, obtaining a 20-year, $500,000 term life insurance policy. Life insurance averages are based on a composite of policies offered by Policygenius from Legal & General America, Corebridge Financial, Lincoln Financial, Foresters Financial, Mutual of Omaha, Pacific Life, Protective, Prudential, Symetra, and Transamerica. Rates may vary by insurer, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 10/01/2023.

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Why is vaping treated like smoking by life insurers?

In addition to the nicotine use associated with vaping, there’s less data available on the health impacts of vaping than the effects of cigarette use. [1] The e-cigarette industry is also much less regulated than tobacco sales. 

“Life insurance companies are very risk-averse,” says Patrick Hanzel, certified financial planner and advanced planning manager at Policygenius. “If there’s a particular area in the medical field with a lot of uncertainty, most will err on the side of caution.”

  • There can be harmful chemicals in your vape device that might have negative side effects on your health — the metal used in the coil or the chemicals in the juice, for example.

  • You could inhale harmful substances if your vape or its modifications were made in a place with less quality control. [2]

If you want to avoid being classified as a smoker and keep your premiums low, you need to quit vaping long before you apply for life insurance.

Insurers want you to be completely tobacco- and vape-free for a set period — usually 12 months but sometimes up to two or three years — before they’ll offer you non-smoker rates.

quote

Life insurance companies are very risk-averse. So when it comes to vaping and other areas of uncertainty, they’ll err on the side of caution.

- Patrick Hanzel, certified financial planner and advanced planning manager at Policygenius

Why do you need to be honest about your vaping history?

Any substance you vape can show up during your medical exam or in your health history. 

  • If you misrepresent your e-cig use and die during the policy’s contestability period your insurance company can refuse to pay the death benefit to your beneficiaries, leaving them without financial protection.

  • Most policies also allow insurers to deny the death benefit due to intentional lies on the application even if you die after the contestability period ends.

  • If the life insurance company does pay out the claim, it may reduce the death benefit by the amount you would’ve paid in premiums had you disclosed your vaping habit. 

While you’ll probably pay more for life insurance if you smoke or vape, you’ll still be able to get the financial protection you need.

Whether you plan to quit or not, an independent insurance broker like Policygenius can help you find the right coverage.

Other health concerns that can affect your life insurance

Certain pre-existing conditions and other health-related concerns can affect your life insurance options or costs. A Policygenius expert can help you find the right policy for your needs.

Frequently asked questions

Does vaping affect life insurance?

Yes. Most life insurance companies treat e-cigarette users like smokers, so you’ll pay two to three times more than non-smokers unless you quit vaping for at least 12 months before applying.

What happens if you lie about vaping on your life insurance application?

Lying on your life insurance application is a form of insurance fraud. If you deliberately conceal this information, your life insurance company could eventually cancel your policy or deny the payout to your beneficiaries.

Can you be denied life insurance for vaping?

It’s unlikely you’ll be denied life insurance for vaping. In very rare cases, a few insurers decline applicants who vape marijuana.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Harvard Medical School

    . "

    Can vaping damage your lungs? What we do (and don’t) know

    ." Accessed October 04, 2023.

  2. U.S. Department of Health and Human Services

    . "

    The facts on e-cigarette use among youth and young adults

    ." Accessed October 04, 2023.

Authors

Katherine Murbach is an editor and a former licensed life insurance agent at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.

Amanda Shih is a licensed life, disability, and health insurance expert and a former editor at Policygenius, where she covered life insurance and disability insurance. Her expertise has appeared in Slate, Lifehacker, Little Spoon, and J.D. Power.

Editor

Antonio helps lead our life insurance and disability insurance editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.com, as well as a principal writer covering personal finance at CNET.

Expert reviewer

Maria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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