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close up of man vaping

Why e-cigarette usage means higher life insurance costs for you.

When you apply for life insurance, there are many factors that will influence your rates.  For instance, life insurers will take your habits into account when calculating your premiums.  This means something like e-cigarette usage will affect the cost of your coverage.  Here’s why vaping raises your life insurance rates.

  • How do e-cigarettes affect your body?

Vaping is generally considered less harmful than smoking traditional cigarettes.  However, this does not mean that e-cigarettes are safe.  Any time you inhale chemicals into your lungs, you are putting your health at risk.  For instance, vaping can have a negative effect on your cardiovascular and respiratory systems.  To make matters worse, e-cigarettes still contain nicotine, which means that they have an addictive quality that makes it difficult to stop using them. While there is a current lack of scientific evidence regarding the long-term health effects of vaping, medical professionals and insurance providers alike consider e-cigarette usage a health hazard.

  • How does e-cigarette use affect your life insurance cost?

Individuals who smoke traditional cigarettes typically have life insurance rates that are 2 to 5 times higher than non-smokers.  Because there is a lack of research regarding the impact of vaping on your health, most insurance companies lump e-cigarette users in the same risk classification as normal smokers.  As a result, e-cigarette users typically experience the same life insurance rates as traditional smokers.  While many users argue that this classification is unfair and that they are using e-cigarettes to curb their use of regular cigarettes, it is important to remember that any type of smoke inhalation is damaging to the body.  While e-cigarettes may be a safer alternative to regular cigarettes, they still can still contain over 6,000 potentially hazardous chemicals.  Naturally, life insurance providers are aware of the dangers associated with vaping, and they factor in this risk when calculating your coverage costs.

This is what you need to know about e-cigarette usage and your life insurance rates.  Do you have additional questions regarding your life insurance coverage or costs?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas.  We are ready to assist you with all your insurance needs today.

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COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner