If you’re one of the 2.9 million people in the UK that uses an e-cigarette , then you might feel quite smug in contrast to the people who actually still smoke, afterall, real smoking is so 20th century. In principle, ‘fake’ smoking is considered much better for you and back in 2015 , Public Health England (PHE) came to the conclusion that it was 95% less harmful than taking a traditional puff.

PHE’s theory is all well and good, but that conclusion didn’t quite filter down to many life insurance providers who still consider ‘vapers’ to be ‘smokers’ and will charge you accordingly. No fair – you may cry, but in truth, the line between vaping and smoking is blurry at best.

E-cigarettes still typically contain nicotine (although at much lower quantities than a traditional fag) so as far as some insurance providers are concerned, a drag from an e-cig is the same as a drag from a regular cigarette . Because let’s face it, nicotine is nicotine and it really doesn’t matter where it comes from, it’s still bad for you.

For most life insurance providers to consider you a true ‘non-smoker’ you need to be nicotine free for at least 12 months . And it can be done, around 1.5 million vapers used to be traditional cigarette smokers – so if you’re one of the 1.3 million or so who vape and smoke – don’t give up.

So, what happens if you tick the ‘non-smoker’ box on your life insurance policy whilst you’re busy vaping away on your blueberry flavoured nicotine hit? Well, quite simply – you could be invalidating your cover – and that never has a happy ending.

But not all insurance providers take a dim view of vapers so whether you’ve got a policy already or are looking for one – check the small print first. Although planning your life insurance might feel rougher than the first drag after a heavy night, it’s there as a safety net should the worst happen (and if you leave loved ones behind, it can be a very useful safety net indeed).

Life insurance isn’t a one size fits all and there are lots of different types of policy so you should be able to find one that suits your lifestyle. And it doesn’t have to cost an arm or even a leg, if you’re a 'non-smoker' and relatively young, you could find cover for as little as £4.85** a month, a lthough if you’re a smoker it might cost you a couple of packets. But whether you smoke, vape or are completely nicotine free, don’t go for the quick fix, do your homework and compare life insurance quotes at comparethemarket.com

** 50% of people could achieve a premium of £4.85 a month based on comparethemarket.com data in March 2015- Feb 2016 cheapest premiums. Based on comparethemarket.com data for £100,000 decreasing term policy over 10 years with guaranteed premiums for a non-smoker, aged 30.

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