Can I get non-tobacco life insurance rates if I vape?

It's possible. Some life insurance companies like Symetra and Lincoln Financial may offer non-tobacco or Standard Plus rates if you only vape occasionally or use non-nicotine products. Working with an independent broker like LifeStein increases your chances of finding one.

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

If you lie and are caught through a urine test or medical records, your application could be declined or rated as a smoker anyway. It may also get flagged in the MIB database, which other insurers can see. Always be honest and let a broker guide you to the right carrier.

Which companies are best for vape users in 2025?

Symetra, Lincoln Financial, and Ethos are among the most vape-friendly life insurance companies in 2025. They may offer better classifications than standard tobacco rates, especially if your vape use is nicotine-free or occasional.

Can I get life insurance if I use JUUL or Elfbar?

Yes, but most carriers will classify you as a tobacco user. Some, like Symetra or Lincoln Financial, may still offer Standard or Standard Plus rates depending on your full health profile and nicotine use. Always work with a broker who knows vape underwriting.

Do Life Insurance Companies Care if You Vape in 2025?

Q: Do life insurance companies care if you vape?

Yes, most life insurance companies classify vape users as tobacco users, which can significantly increase your premiums. However, a few carriers like Symetra, Lincoln Financial, and Ethos may offer better options depending on your usage and nicotine content.

mattmims
Apr 7
3 min read

💡 Quick answer: Yes — life insurance companies do care if you vape, and most will classify you as a tobacco user even if you only vape JUUL, Elfbar, or other nicotine-based e-cigs. But don’t worry — at LifeStein.com, we know which companies offer non-tobacco rates for certain vape users.

👉 Skip the hassle and get a vape-friendly quote now:Get a Quote with Vape Use Considered

Does Vaping Count as Smoking for Life Insurance?

Unfortunately, yes — at least for most companies. Even if you’re only puffing on JUUL, Elfbar, Puff Bar, or a refillable vape, many insurers will automatically lump you into the same rate class as a cigarette smoker.

This means:

Rates 2–4x higher than a non-smoker
No access to Preferred or Preferred Plus health classes
You may have to wait 1–3 years after quitting to get better pricing

But there’s good news — some carriers are starting to break away from this old-school thinking.

How Life Insurance Companies Rate Vape Users (2025 Chart)

Here’s how top-rated life insurance companies are currently treating vapers:

Life Insurance Company	Rating If You Vape	Can Get Non-Tobacco Rates?
Protective	Tobacco	❌ No
Legal & General (Banner)	Tobacco	❌ No
Mutual of Omaha	Tobacco	❌ No
Lincoln Financial	Standard Plus (if vaping only)	✅ Yes
Pacific Life	Tobacco	❌ No
Ethos (No-Exam)	Tobacco or Non-Tobacco (depends on honesty)	⚠️ Depends
Symetra	Standard Plus	✅ Yes
Transamerica	Tobacco	❌ No
Cincinnati Life	Tobacco	❌ No
Thrivent	Tobacco	❌ No

✅ = Possible non-tobacco rate⚠️ = Depends on application wording

As you can see, the majority of carriers still treat vape users like smokers. But a few — like Lincoln Financial — may offer better classifications if your usage is occasional and nicotine-free (like CBD vapes or 0% vapes).

Testimonial: “They Actually Understood Vaping”

"I’d been turned down twice because I told them I used an Elfbar occasionally. One agent even told me I’d have to wait 2 years just to apply. I found LifeStein, told them the truth, and they still got me approved at Standard Plus with no exam. They actually understood vaping."— Robert A., age 34, Austin, TX

What If I Vape But Don’t Use Nicotine?

If your vape doesn’t contain nicotine or THC — for example, flavored vapes, CBD-only pens, or 0% Elfbar options — you may qualify for non-tobacco rates.

👉 Pro tip: If you’re nicotine-free for 12+ months and your medical exam confirms it, some carriers will treat you like a never-smoker.

What If I Lie About Vaping on My Application?

Don’t do it. Life insurance companies often require:

A urine test
A medical exam
Access to your Rx history
Lab records & MIB reports

Nicotine can stay in your system for 3–10 days depending on usage, and cotinine, a byproduct of nicotine, is what they test for.

If you lie and test positive, they can:

Decline your application
Charge you smoker rates anyway
Flag you in the industry database (MIB)

Honesty + smart broker = your best outcome. (That's us.)

Life Insurance for Vapers — Vaping and Life Insurance

Vape vs. Cigarettes vs. Nicotine Pouches – Rating Comparison

User Type	Typical Rating
Never smoked or vaped	Preferred Plus
Quit nicotine 2+ years ago	Preferred
Vape user (JUUL, Elfbar, etc.)	Tobacco or Standard
Dip or nicotine pouch user	Standard or Standard Plus
Cigarette smoker	Tobacco

Best Life Insurance Options for Vapers in 2025

✅ Lincoln Financial – Best for experienced vapers✅ Ethos No-Exam Life – Quick decisions, vapers may qualify✅ LifeStein.com – 50-state broker, knows which companies are vape-friendly

If you're using nicotine pouches like Zyn, VELO, or On!, check these instead:

Zyn Life Insurance Guide
VELO Pouch Life Insurance
On! Pouch Life Insurance
All Nicotine Users

How to Get Approved if You Vape

Be honest about how often you vape
Use a broker (like LifeStein) that works with every major carrier
Ask about non-nicotine options
Consider applying with a no-exam carrier like Ethos
Don’t try to game the test — the truth will surface

Bottom Line: You Can Still Get Life Insurance as a Vape User

Yes, vaping can complicate things — but it’s not a deal-breaker. With the right strategy, many vape users can still qualify for affordable, long-term life insurance.

✅ We know which companies to use

✅ We handle all 50 states

✅ We’ll fight to get you the best rate possible

👉 Click here to get a quote with vape use considered. Or call Matt Mims directly at (601) 218-7854 to get personal help.

Matt Mims

mattmims@insurems.com

(601)-218-7854