Do life insurance companies consider vaping the same as smoking?

Many insurers treat vaping the same as smoking, meaning higher premiums. However, some companies offer non-smoker rates depending on usage and health history.

What is the best life insurance for vapers?

Some of the best life insurance providers for vapers include Banner Life, Symetra, Pacific Life, and Mutual of Omaha. LifeStein.com can help you compare policies.

Can you get non-smoker rates if you vape?

Some insurers offer non-smoker rates for vapers, especially if they use nicotine-free e-cigarettes. It depends on the company’s underwriting guidelines.

Do all life insurance companies test for nicotine use?

Most insurers require a cotinine test, which detects nicotine use, as part of their medical exam. No-exam policies are available but may cost more.

What happens if I lie about vaping on my life insurance application?

Lying about vaping is considered fraud. If discovered, the insurer can deny your claim or cancel your policy.

Does vaping marijuana affect life insurance rates?

Yes, but it depends on the insurer. Some companies are more lenient with THC use, especially for medicinal purposes.

Is there life insurance for vapers over 40?

Yes! Many insurers offer life insurance for vapers over 40. Rates depend on health, nicotine usage, and the policy type.

What’s the best life insurance for vape users in their 50s?

LifeStein.com can help vapers over 50 find affordable life insurance options with top-rated insurers.

Can I get life insurance if I vape but don’t use nicotine?

Yes! If you use nicotine-free vapes, some insurers may classify you as a non-smoker, resulting in lower rates.

Do occasional vapers pay lower life insurance rates?

Some insurers distinguish between occasional and daily vaping, offering better rates for less frequent users.

How long do I need to quit vaping to qualify for non-smoker rates?

Most insurers require at least 12 months without nicotine use before considering you for non-smoker rates.

Can I switch my life insurance policy to non-smoker rates if I quit vaping?

Yes, you can apply for a policy reclassification after quitting vaping for at least 12 months.

What is the cheapest life insurance for vapers?

Term life insurance is usually the most affordable option for vapers. LifeStein.com can help find the best rates.

Does vaping affect my ability to get a no-medical exam policy?

No-medical exam policies are available for vapers, but they may have higher premiums.

How do I find the best life insurance company for vapers?

Work with an independent agency like LifeStein.com that can compare multiple insurers.

Can I get life insurance if I use a vape pen or e-cigarette daily?

Yes, but you will likely be classified as a smoker, leading to higher premiums.

How does vaping CBD affect life insurance rates?

Some insurers may not classify CBD users as smokers, but underwriting rules vary by company.

What’s the best life insurance policy for vapers with health conditions?

Guaranteed issue and simplified issue policies may be the best options for vapers with health issues.

Does vaping cause life insurance rates to increase over time?

Your rates won’t increase if you lock in a term policy, but renewing at older ages can lead to higher costs.

Can I get life insurance as a former smoker who now vapes?

Yes, but your classification depends on how recently you quit smoking and whether you still use nicotine.

How do I apply for life insurance as a vaper?

Apply online at LifeStein.com to compare policies and find the best rates for vapers.

Best Life Insurance for Vapers: Affordable Coverage Options for E-Cigarette and Vape Users

mattmims
Mar 12
3 min read

Can Vapers Get Life Insurance? Quick Answer

Yes! Vapers can absolutely get life insurance. However, many insurance companies classify vaping the same as smoking, leading to higher premiums. If you want the best rates, work with an independent agency like LifeStein.com, which has access to every top life insurance carrier. Life Insurance For Vapers Here.

How Life Insurance Companies View Vaping (Including E-Cigarettes & THC Vapes)

When applying for life insurance, insurers assess risk based on health, lifestyle, and habits. Vaping falls into a gray area. Some companies treat it like smoking, charging significantly higher premiums, while others offer more lenient rates. Factors that influence your classification include:

Nicotine Use: If you use e-cigarettes, insurers may flag you as a smoker.
Health History: If vaping has led to lung issues, insurers may increase your rates.
Type of Vape Product: Nicotine-based vapes usually result in smoker rates, while CBD or THC vaping may carry different risks.
Frequency: Daily vaping versus occasional use can impact classification.

Do All Life Insurance Companies Classify Vapers as Smokers?

No! While many do, a handful of companies offer non-smoker rates to vapers. At LifeStein.com, we know which insurers are vape-friendly and can match you with the best policy.

How Much Does Life Insurance Cost for Vapers & E-Cigarette Users?

Smoker vs. Non-Smoker Rates

Smokers pay 2x to 5x more for life insurance than non-smokers. If an insurer classifies vapers as smokers, this could mean:

Coverage Amount	Non-Smoker Rate	Smoker Rate
$500,000 (20-year term)	$30/month	$120/month
$1,000,000 (30-year term)	$55/month	$200/month

Best Life Insurance Companies for Vapers & E-Cigarette Users

If you vape and want affordable coverage, look at insurers that treat vapers fairly. Some of the top options include:

Legal & General (Banner Life) – Some of the best smoker rates for vapers.
Symetra – May offer non-smoker rates for vapers in some cases.
Mutual of Omaha – Competitive rates but typically classifies vapers as smokers.
Pacific Life – Often lenient depending on usage frequency.
Lincoln Financial – Higher smoker rates but strong term options.

LifeStein.com can help find the best policy based on your vaping habits.

What If You Quit Vaping? Can You Get Non-Smoker Life Insurance Rates?

If you quit vaping for at least 12 months, you may qualify for non-smoker rates. Some insurers require a cotinine test (nicotine screening) to verify. Others rely on your self-disclosed application information.

Can You Lie About Vaping?

No! Lying on your life insurance application is considered fraud. Insurers often verify health information through:

Medical records
Lab tests (cotinine/nicotine test)
Prescription history
MIB (Medical Information Bureau) reports

If an insurer finds out later that you lied, they can deny the death benefit payout to your beneficiaries.

Types of Life Insurance for Vapers & E-Cigarette Users

Term Life Insurance

Best for affordability and coverage for a set period (10-30 years). Good options include:

$500,000, 20-year term policy
$1 million, 30-year term policy

Whole Life Insurance

Lifetime coverage with cash value but much higher premiums. A good choice if you want lifelong protection.

No Medical Exam Life Insurance

If you want a quick and easy policy, no-medical-exam options are available, though they cost more.

How to Get the Best Life Insurance Rates as a Vaper or E-Cigarette User

Work With an Independent Agent – LifeStein.com can compare policies across all insurers.
Consider Term Life Over Whole Life – It’s more affordable.
Quit Vaping Before Applying – Waiting 12+ months can save you money.
Be Honest About Nicotine Use – Avoid claim denial due to fraud.
Compare Multiple Carriers – Different insurers classify vapers differently.

Get Your Best Vape Life Insurance Rate Today

If you're a vaper, don’t settle for smoker rates when you might qualify for something better. Get a free quote from LifeStein.com today and secure the right policy at the best price. Many policies take just minutes to apply for!

Frequently Asked Questions

Q: Will life insurance cover me if I vape cannabis instead of nicotine? A: Some insurers treat cannabis use differently than nicotine vaping. If you vape marijuana, underwriting depends on frequency and whether it's medicinal or recreational.

Q: Can I switch to non-smoker rates after quitting vaping? A: Yes, most insurers allow reclassification if you’ve been vape-free for at least 12 months.

Q: How do I find the cheapest life insurance for vapers? A: Use an independent agency like LifeStein.com that can shop multiple carriers for the best rates.

Final Thoughts

Life insurance for vapers and e-cigarette users doesn’t have to be expensive. By working with the right insurer, quitting vaping, or using an independent agency like LifeStein.com, you can find an affordable policy that meets your needs. Get a personalized quote today and protect your family's future!