The Long Read
Everything you *need to know* is right above this. Scroll down, only if you'd still like to read more (honestly, why?)
Yes, of course.
Even if you smoke only e-cigarettes, they contain nicotine and other addictive substances that can impact your health and in turn, your term insurance application.
So your insurer needs to know about your vaping habit.
Do not hide this information at the time of applying for a term plan.
Yes, vaping contains nicotine and can affect your health and in turn, your term insurance application.
When you are applying for a term plan, you have to inform your insurer about your vaping habits otherwise in future it can lead to term insurance claim rejection. You will also need to undergo some medical tests to assess your health condition.
Depending on that information, your insurer will either
Accept your application
Reject or postpone your application
Approve your application with a higher premium
In the end, it is your choice, but if you want to do your best to get affordable premiums, then kick the butt, even if it is an e-cigarette.
You have to reveal your smoking/vaping habits to your life insurance company when buying a term plan. If you lie or hide this information, then your insurer can deny the claim. Remember, honesty is always the best policy.
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