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Special Vapers rates now available through Future Proof.

When applying for life insurance cover insurance companies asked a question like: ‘In the last 12 months have you used cigarettes, cigars, a pipe, e-cigarettes or any nicotine replacement products (such as gums, patches or sprays)’?

If the answer to this is yes (even if they only vape), the premium quoted will the same as if they smoke cigarettes.

Not anymore!

There is now ONE insurer in the UK who is prepared to differentiate between smokers and e-cigarette users / vapers for life insurance.

The biggest winners are people who haven’t smoked tobacco for over 12 months and have only used nicotine replacement products (such as e-cigarettes) during that time.

In many cases they will be quoted premiums which are about half the cost which a ‘smoker’ would pay.

We have already helped lots of people save thousands of pounds, by switching their policy which they took out when they were smokers, to a new one which takes into account the fact that they now only vape.

If you are someone who took out life cover when you were a ‘smoker’ and you now only vape, you may well be able to make considerable savings on your premiums.

Future Proof are delighted to be able to offer the first price comparison service for vapersYou will be asked some health and life style questions, which will take about 5 – 10 minutes.

If you like the premium (and we think you will) – you can start your cover instantly!

How the savings add up

The table below shows example premiums and the savings that can be made for a 40 year old Vaper, taking out £100,000 of life cover over a term of 25 years.
COMPARISON TABLE

How to get a quote:

Get a quote on line. You will be asked some health and life style questions, which will take about 5 – 10 minutes.

If you like the premium (and we think you will) – you can start your cover instantly!

If you’re not sure what cover you need – call one of our friendly advisers on 0800 644 4468  

Our office hours are: 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.

Interested in related articles?

Will vaping affect my life insurance premiums?

Why should I review my life insurance cover?

I was diagnosed with testicular cancer and was paid over £119,000.

Do you suffer with a medical condition and are concerned you can’t secure Income Protection, Life or Critical Illness 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.