skip to main content

We may earn money when you click on our links. Learn More

Icon Close  Light

Call Today! 888-234-8376

Electronic Cigarettes and Life Insurance

Licensed Life Insurance Agent/Marketing Manager
March 29, 2020

Smoking can play a pivotal role in how much you end up paying for a life insurance policy. So does an electronic cigarette (e-cig) also affect your life insurance rates? 

This article will help you learn if an e-cig will affect your rate and help to guide you through the application process. 

Will electronic cigarettes affect my life insurance rates?

What life insurance companies are really looking for is if you use any nicotine or tobacco products.

They are less concerned about the method of smoking, whether that is traditional cigarettes, e-cigs or cigars. They will typically ask if you have used any nicotine or tobacco products in the last 12 months.

Depending on which life insurance company choose using e-cigs could affect your life insurance costs. 

Which life insurance company should I choose?

Every life insurance company out there is going to have a set of guidelines that they’ll follow when it comes to approving an application for life insurance. That is why it is essential to choose an electronic cigarette friendly life insurance company.

And what that means is that while one insurance carrier may use be very strict when it comes to tobacco use, another carrier may not! In other words, you need to make sure you are applying with a life insurance company that does not consider electronic cigarettes "tobacco use".

If you aren't sure how to find the right life insurance company, speak with a licensed life insurance agent. They can help guide you towards the right company for you. 

If you don't have a life insurance agent, feel free to give us a call and we can help guide you in the process.


There are life insurance companies out there that will charge you more for using e-cigs. While on the other side there are those that may not view e-cigs as tobacco use. Finding the right company is crucial to the amount you will pay for coverage. 

Working with a licensed life insurance agent can assist you in finding the right company if you use e-cigs. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.