How E-Cigarette Usage Affects Life Insurance Costs

Does vaping affect your life insurance?person breaking cigarette

When determining your premiums, life insurance providers will consider many personal factors.  Not only will they look at your current state of health, but they will also take into account any habits that they consider dangerous.  One of the unhealthy habits that will affect your life insurance costs is smoking.  But does using e-cigarettes to vape affect your rates the same as smoking traditional tobacco products?  Here’s what you need to know.

  • How do e-cigarettes affect your body?

Vaping (the more colloquial term for smoking e-cigarettes) is generally considered less harmful than smoking traditional cigarettes.  However, this does not mean that e-cigarettes are safe.  Any time you inhale chemicals into your lungs, you are putting your health at risk.  For instance, vaping can have a negative effect on your cardiovascular and respiratory systems.  To make matters worse, e-cigarettes still contain nicotine, which means that they have an addictive quality that makes it difficult to stop using them. While there is a current lack of scientific evidence regarding the long-term effects of vaping on your health, medical professionals and insurance providers alike consider e-cigarette usage a health hazard.

  • How does e-cigarette use affect your life insurance cost?

Individuals who smoke traditional cigarettes typically have life insurance rates that are 2 to 5 times higher than non-smokers.  Because there is a lack of research regarding the impact of vaping on your health, most insurance companies lump e-cigarette users into the same risk classification as traditional smokers.  As a result, e-cigarette users typically experience the same life insurance rates as traditional smokers.  While many users argue that this classification is unfair and that they are using e-cigarettes to curb their use of regular cigarettes, it is important to remember that any type of smoke inhalation is damaging to the body.  While e-cigarettes may be a safer alternative to regular cigarettes, they still can still contain over 6,000 potentially hazardous chemicals.  Naturally, life insurance providers are aware of the dangers associated with vaping, and they factor in this risk when calculating your coverage costs.

This is how vaping affects your life insurance rates.  Do you want to learn more about your life insurance?  If so, then contact the experts at ISU-Wissink Insurance.  Our dedicated team is eager to assist you with all your personal insurance needs today.