Can You Get Life Insurance If You Vape?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Can You Get Life Insurance If You Vape?

Yes, you can get life insurance if you vape. However, most insurance companies classify vaping in the same category as tobacco use, which generally results in higher premium rates. Vapers often pay tobacco rates for life insurance, which are higher than non-tobacco rates due to the perceived increased health risks associated with tobacco and nicotine use.

Importance of Using a Broker

  • Access to Multiple Companies: A broker like The Annuity Expert, which has contracts with over 50 insurance companies, can provide a wider range of options.
  • Customized Solutions: Brokers can identify the best insurance options based on your specific vaping habits and health situation.
  • Potential for Non-Tobacco Rates: Some insurers might offer non-tobacco rates for vapers, and a broker can help in finding these companies.


  1. Tobacco Rates: John, a regular vaper, approached a standard insurance company and was offered a policy at tobacco rates, which was significantly higher than non-tobacco rates.
  2. Non-Tobacco Rates: Sarah, who also vapes, used a broker and found an insurance company that offered her a life insurance policy at non-tobacco rates, leading to lower premiums.

Life Insurance Options for Vapers

Insurance Company TypePolicy for VapersPremium RateBroker Assistance
Standard CompanyYesTobacco RateNot Required
Specialty CompanyYesNon-Tobacco RateHighly Recommended


While vapers can obtain life insurance, they often face higher premiums due to being classified similarly to tobacco users. Utilizing a broker like The Annuity Expert, with access to multiple insurance companies, can be beneficial in finding the most suitable and cost-effective policy. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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