How E-Cigarettes Impact Life Insurance Rates

a man smoking an e-cigarette

The effect of e-cigs on your life insurance premiums.


Electronic cigarettes, commonly known as e-cigs, are one of the fastest-growing trends in the tobacco industry. While most e-cigarettes contain addictive nicotine and carcinogens, they are typically considered “safer” than cigarettes because they don’t contain tobacco. Although they are getting more popular by the day, there is little research behind them. Due to the lack of scientific proof that they are safer, the life insurance industry is hesitant to regard e-cigs are less harmful.


Life insurance agents will look at your health and habits when you apply for life insurance coverage. You will be placed in a category based on your risk factors. The category you’re placed into is called a Risk Class. Generally, there are two types of categories for risk classes: tobacco and non-tobacco. For tobacco smokers, their risk class (and premiums) will be higher than a non-tobacco smoker. Even though most insurance companies agree that vaping is less harmful than smoking, it’s worse than not smoking at all.


If you have been relying on e-cigarettes to quit smoking and no longer smoke cigarettes, you should disclose this in your application. If no traces of nicotine show up in your urine sample, there is a chance that you would qualify for non-smoker life insurance rates. It’s never a good idea to lie on your life insurance policy. If the insurer finds out you lied, the company could either lower the death benefit your beneficiaries receive or deny the claim altogether.


Even if you use electronic cigarettes, protecting your family with a life insurance policy is an important part of any financial plan. For more information about selecting the right life insurance policy to suit your needs in Phoenix, Arizona, contact the team at American Premier Insurance. As life insurance experts, we’re able to walk you through the process of selecting the right policy to meet your needs.