Prudential has the most favorable life insurance rates for vapers. Thier Non-Smoker Plus rate is possible for vaping as long as no real cigarettes have been used in the last 12 months. The Non-Smoker Plus is one rate class below Prudential’s preferred rate.
Most carriers consider any kind of vaping the same as smoking cigarettes. even if one vapes non nicotine juice. United of Omaha, Brighthouse Financial and Global Atlantic Life are the exceptions worth a closer review. Their underwriting guidelines make a distinction between non nicotine and nicotine solutions.
