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Good news for Vapers! E-cigarette users can get 'near to' non smoker premiums for life insurance and critical illness cover.

As you may already know most insurance companies classify e-cigarettes the same as ordinary cigarettes. Given that e-cigarettes do not contain tobacco, which is one of the most health damaging parts of a traditional cigarette, this does not seem fair.

We are pleased to say that some insurance companies can consider 'near to' non-smoker rates for life insurance/critical illness insurance, if you have not used tobacco products in the last year. So users of purely e-cigarettes, nicotine patches or nicotine gum would qualify for a lower premium.

The cost could be as much as half of that which you pay on smokers rates.

If you'd like to see how much cover could cost for you please feel free to request a quote below:


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Please feel free to request a quote from us using our online form. As a broker we search a fair analysis of the whole market and will always take your specific risks and concerns into account. For this reason we do not currently offer prices online but will always do our best to reply to you by email, text or phone as soon as possible.

The more information that you can provide us about your health conditions, hobbies, travel and/or occupation the better as this will help us to provide the most accurate indications of price.

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