\n\t \nIf you have recently followed their example, you might have expected to see lower premiums on your life insurance. However, a close look at the facts paints a sobering picture which suggests many insurers remain in the dark about the health implications of vaping.<\/p>\n \nIf so, congratulations! It looks like you’ve been following in well-worn footsteps. According to Office for National Statistics (ONS) figures reported by \nMeanwhile, vaping and e-cigarette use has increased in popularity. ONS statistics indicate that, in 2017, 5.5% of adults in Britain reported using the electronic products. In 2014, that figure sat at 3.7%. The most common incentive to vape, other statistics suggest, is that it can help people to quit smoking; indeed, 48.8% of UK adults appear to deem this a good reason to vape.<\/p>\n \nThe short answer: some of them do – and, even then, it’s largely a matter of whether or not the vape products contain nicotine. Aegon, AIG, Aviva and Zurich are all life insurers which have admitted to taking this stance. As a general rule, if your vaping hasn’t used nicotine for 12 months, you’re safe.<\/p>\n \nWell, safe from the “smoking tax” applied to premiums by several vaping-friendly insurers, at least. Sadly, there remain several life insurers which don’t appear to distinguish between vaping and smoking when calculating premiums – but why?<\/p>\n \nOne such insurer, Vitality, has called vaping “a relatively new activity compared to smoking tobacco”, adding that it “does not have an entirely clear risk-benefit profile; there are multiple perspectives on how vaping affects current, ex- and never-smokers.”<\/p>\n \nThe insurer explains: “We do not presently incentivise vaping and are keenly following the debate as the evidence base for the impact of vaping grows”.<\/p>\n \nL&G is another insurer taking a similar view, insisting that there are not “any studies which show the long-term effects of e-cigarettes.” L&G concedes that “recent studies suggest vaping is better for health compared to smoking cigarettes, but it appears clear they are still worse for you than not smoking at all.”<\/p>\n![\"Vaping](\"https:\/\/i0.wp.com\/www.pure-eliquids.com\/product_images\/uploaded_images\/vaping-on-a-basketball-court.jpg?w=1020&ssl=1\" "\\"Vaping")
<\/a>Taking up vaping has become a popular means of helping to
\nquit smoking. In 2017, the UK had 2.9 million vapers, as reported by the\u00a0
\n\tIndependent British Vape Trade Association<\/a> (IBVTA) – and, of that number, 1.5
\nmillion had completely abandoned smoking.<\/p>\nHave you recently
\nquit smoking with the help of vaping?
\n<\/strong><\/h2>\n
\n\tYourMoney.com<\/em>,
\nthe UK’s proportion of cigarette smokers fell from 15.8% in 2016 to 15.1% the following year, equal to 7.4 million people.<\/p>\nDo insurers look
\nkindly on vapers?
\n<\/strong><\/h2>\n