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.
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.
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.  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. 
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.
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.
Mental health issues such as depression or anxiety