Life insurance policies are underwritten based on your health and lifestyle. As part of the application process you will be asked whether you have smoked in the past 12 months to 5 years. Insurers consider electronic cigarettes, vaping, and any other nicotine or nicotine replacement products to be included under the term of ‘smoking’.

Smokers can still be insured but you can expect to pay more for your life insurance. Where you need to disclose smoking related habits on your application, you should expect to pay around double for your life insurance due to the risks associated with smoking. Alternatively you can also opt to reduce your sum assured to offset the price impacts.
 
It is important you do not lie or be misleading on your life insurance application. If you smoke or vape but tell the insurer you do not, your policy is at risk of not paying out.
 
Ultimately all insurers treat smoking and vaping slightly differently. To get the best life insurance policy as a smoker, be completely honest with Protect Line and we’ll be able to assist you in understanding which insurer’s application wording may be most tolerant for your circumstances.