Are you looking for affordable cost effective Vaping Life Insurance? At Life Insurance Cover we can help you find the protection you are looking for. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.
More About Vaping
E-cigarettes and vaping have become increasingly popular as an alternative to cigarettes in recent years. E-cigarettes heat nicotine, chemicals and flavourings to create a water vapour that is inhaled. Although vaping exposes a person to fewer toxic chemicals than cigarettes, vaping can still harm your health and raise your risk of developing conditions like lung cancer and heart disease. Ecigarette vapour does not however contain carbon monoxide or tar, which are two harmful elements found in tobacco smoke.
There are around 3.2 million e-cigarette users in the UK, and more than half of them have stopped smoking cigarettes. It is viewed by some that e-cigarettes help a smoker to transition to vaping and then stop smoking completely.
Many people who have transferred from smoking to vaping have been accepted for life insurance. Insurers will accept applications based on how much the individual uses their vape. By writing to your GP to confirm any treatment and whether there are any medical complications. Also the impact it has on their lifestyle and ability to work.
Finding Vaping Life Insurance
We search the whole insurance market, Life Insurance Cover can find the right policy types and protection for you. It can be difficult to find the right Vaping life insurance cover for your needs, but we can help you.
As vaping still carries some health risks (many of them unknown at this stage because research is still in its early stages), some insurers are likely to be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for vaping life insurance, and need to manage their level of risk. If you vape, you have a greater risk of developing lung cancer, other cancers and heart disease due to the chemicals that are contained in the vaping products that you use.
At Life Insurance Cover our specialist team of advisors and comparison service can help you find the best FCA-regulated life insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.
Costs For Insurance Premiums
If you vape, you should expect to pay much higher premiums than a person who doesn’t vape. This is because vaping, like smoking, carries various health risks and the products themselves contain nicotine and other toxic chemicals. As research regarding the effects of vaping and vaping smoke is still in its infancy, there is much that is not known about the effects of e-cigarettes on the body.
This means that insurers are therefore cautious about taking on applications for life insurance from those who vape. An insurer will also want to know about your current state of health, medications you take, any treatments you are undertaking, and how often you vape so that they can determine your level of risk.
Vapers and smokers should generally expect a loading fee to be applied to their policy to cover their level of risk because they are undertaking a habit which is harmful to health.
Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover is the perfect place to find the best Vaping life insurance.
Who Offers Vaping Life Insurance?
Life Insurance Cover works with all of the UK’s leading insurers for Vaping life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:
– The most competitive price for Vaping life insurance
– Protection for complete peace of mind
– A specialist insurer who is accepting of applications from Vapers and smokers
Different Protection For Vaping
Critical illness cover
Critical illness insurance offers protection for many conditions including cancer. Similar to smokers, vapers should expect to pay more for critical illness cover than non-smokers. Premiums can be double the amount due to the high risk involved. This is because vaping, like smoking, puts you at a greater risk of contracting an illness such as lung cancer. An insurer will usually request details from you regarding how much vaping you do every day. If the amount that you vape is fairly minimal, you could be accepted for cover, but at higher premiums.
Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
For more information on Vaping:
Do you have a life long medical condition? and require life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.