Compare Life Quotes has helped 2338 customers just like you in the last 7 days.
- No fuss, no hidden fees
- Find affordable insurance
- Over 50s, critical illness, and terminal illness
- No obligation quotes
Get Your Free Quote
Vaping became a common practice in the 2010s (Source: FREESMO) even though it was introduced to the market in 2007. Around 11% of the population use a vape or e-cigarette (ASH Figures – 2024).
While the NHS considers vaping less harmful, the long-term effects aren’t fully known yet, which is why some insurers treat it with the same caution as smoking. Vapes are used through batteries, which heat a solution known as e-liquid. These E-liquids come in lots of different flavours and packaging, which attracts and influences customers to buy these however, the appearance of these is deceiving. This is because the e-liquids contain nicotine and other chemicals that haven’t yet been studied. Vaping has become a major issue in all regions, as there is a lack of research to show the long-term side effects.
Do you have to declare vaping on your life insurance policy?
Yes, you must let your insurance provider know as it can affect your premiums. They can also invalidate your policy if you do not disclose this information. This means if you pass away, your beneficiaries will not receive this lump sum
Is vaping considered the same as smoking? Do vapers get a cheaper life insurance policy than smokers?
Most life insurance providers have bundled vapers and smokers into the same category even if they do not use the ordinary cigarette. Although the dangers of traditional smoking are familiar to most of the population, there is not enough data to conclude that vaping presents a reduced health risk. Therefore, premium rates vary depending on the life insurance provider.
Regarding life insurance premiums, what are the adjustments for an individual’s vaping status? – Whether starting or successfully quitting?
Starting to vape
Engaging in this habit places you in the ‘smoker’ risk category. However, the final premium cost is dependent on the specific provider.
Quitting vaping
Most life insurance providers will re-evaluate your policy and may consider transitioning you to a non-smoker premium rate after a sustained period of zero vaping, commonly around 12 months. However, this timeframe can vary between insurers, as some may require a longer or shorter period without vaping or smoking. Any potential premium reduction is not guaranteed and will differ by provider, as final rates depend on individual underwriting criteria and other personal factors.
We’re not just another comparison website
- through our partners, we find the right match.
A true match
We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted partner.
Free, easy service
We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.
Peace of mind
With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.
Get a free, no obligation quote
Apply through us to connect with experts who specialise in switching life insurance and can match you with a policy that fits your needs.
How do I choose the right life insurance policy?
Will I get any guidance?
Yes, our expert partners will call you and answer any questions you may have. They’ll listen to your unique circumstances and try to find the most suitable solution for you and your family.
Can I change my mind?
Yes, you have 30 days from taking out a policy to cancel, no matter what your reason for cancellation.
How do I know the insurance company will pay out?
Payouts are never guaranteed, however, 96.7% all claims did pay out in 2023, with the average policy payout in 2023 coming in at £80,403. The main reason payouts don’t occur is because essential information was omitted or false at the time of applying, so be sure to provide your insurer with all relevant details.
Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.
Cover from £10 Per Month
†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
Cover from £5 Per Month
†From £5 per month for up to £90,000 is an example based on the following pricing illustrations.£5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
From £8 Per Month
Whole of Life
±£8 per month quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
From £10 Per Month
Critical Illness
Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
Testimonials
"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."
Lynn K
"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."
Alan S
"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."
Lou G
"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."
Paul M
"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."
Graham F
"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."
Brad J
"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."
Dave C
"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."
Hannah G
"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."
Mick D
"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."
Victoria S