November 12, 2018


Can I get Life insurance if I vape and have COPD?

Our Client

Mrs P, a 54-year-old vaper, who last smoked 6 months ago, contacted us as her existing cover had less than 12 months until it expired. She required life insurance to repay her mortgage should she pass away.

She has a mortgage with a loan outstanding of £64,000 over a remaining term of 11 years. The most cost-effective way of covering this is with a Decreasing Term Policy.

However, Mrs P had experienced problems in arranging life insurance because she has been recently diagnosed with COPD and raised blood pressure since taking out her existing cover. This combined with her vaping status was proving a challenge to secure affordable underwritten cover.


Chronic obstructive pulmonary disease (COPD) is the name for a group of lung conditions that cause breathing difficulties.

It includes:

  • emphysema – damage to the air sacs in the lungs
  • chronic bronchitis – long-term inflammation of the airways

COPD is a common condition that mainly affects middle-aged or older adults who smoke. Many people do not realise they have it.

The breathing problems tend to get gradually worse over time and can limit your normal activities, although treatment can help keep the condition under control. NHS Sept 2019

The Outcome

Each Insurance Provider has its own underwriting guide and we contacted them all to find the best solution. Many providers would double the cost of the monthly premium, but we found one company willing to offer insurance with just a 50% increase to the monthly premium.

Mrs P was pleased that we were able to arrange a decreasing term life or earlier terminal illness policy with an initial sum assured of £64,000 over a term of 11 years for a monthly premium of £48.62.

Please note that the premiums provided are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

All our case studies are based on actual client scenarios, many of which pre-date 2020. We are confident that the acceptance decision made by the insurers would still be offered, although it is likely that the rates will have changed. Your own circumstances will determine whether what amount will be payable by you and would be fully discussed with you before any plan is implemented.

Client ID: 133514455

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Please feel free to read our Independent client reviews, or read about the team at Future Proof

Jon’s moving story – being diagnosed with cancer

The protection industry pays out over £5.7bn in claims in 2019

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Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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