Although life insurance providers don’t see a difference between vaping and smoking at the moment, we may in the future.
‘As more research becomes available, we may decide to significantly reduce premiums for customers who quit smoking over a year and continue to vape,’ says Claire.
‘However, they would still likely pay a higher rate than someone who didn’t vape. We may require a carbon monoxide test to confirm they’re not still smoking cigarettes as well as vaping.’
A carbon monoxide test
measures how much of the gas is in your body. During the test, people are asked to exhale into a tube, which is attached to a handheld monitor. The monitor will display how much carbon monoxide was in your breath, and hence in your system.
It is still better for your health to not vape or smoke, and your premiums will reflect this.