Is vaping any better?
From an insurance point of view, not really. You could still invalidate your policy if you tick the ‘non-smoker’ box on your life insurance policy and it turns out you’ve been vaping. Off the back of a 2015 report by Public Health England, which suggested e-cigarette smoking was 95% less harmful than the traditional use of tobacco, there have been less positive reports – including that e-cigarettes could contribute to an increased risk of long-term ailments including cancer and heart disease.
In the eyes of an insurance provider, nicotine is nicotine and it really doesn’t matter where it comes from, it’s still bad for you. That said, not all insurance providers take a dim view of vapers (a vape liquid which contains no nicotine may be different, for example) so whether you already have a policy or are looking for one - check the terms of each individual quote with care. For most life insurance providers to consider you a true ‘non-smoker’, you need to be nicotine free for at least 12 months.