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Life Insurance

Does vaping affect your insurance?

Most life insurance companies view cigarettes and vaping devices as one and the same. This means your insurance premium will be more expensive.

In New Zealand, if you use an electronic cigarette you'll still be classified as a smoker, even if you don't use traditional cigarette products. If you stop vaping and smoking tobacco altogether for more than 12 months, you can apply for a 'non-smoker' rate. If you are accepted as being a non-smoker, you can save thousands of dollars on your life insurance premiums.

Life-Info, an independent life insurance guide has some great information on cigarette smoking and insurance. It's worth a read and can give you some pointers on what to expect if you use any of the products they have listed, ranging from using e-cigarettes, to tobacco products, to nicotine patches.

If you have any questions regarding smoking and insurers, we can lend a hand. You can start a quote and compare insurance from New Zealand's leading insurers all in one place. Alternatively, you can give us a bell on 0800 800 400 and speak to one of our insurance consultants.

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