Futureproof offers helping hand to vapers finding cover

The BBC reported earlier this week that vaping can damage vital immune system cells and maybe more harmful than previously thought. 

A test led by Prof David Thickett (University of Birmingham) on lung samples found that vapour caused inflammation and impaired the activity of alveolar marcrophages, cells that remove potentially damaging dust particles, bacteria and allergens. The effects of this were discovered to be similar to those seen in regular smokers and people with chronic lung disease.

However, Public Health England advises they are much less harmful than smoking and people should not hesitate to use them as an aid to giving up cigarettes.

Despite this, life insurance companies tend to charge vapers the same premium as they charge people who smoke cigarettes - usually double the cost.

Discount cover

With limited available to vapers at a discount on the market, Futureproof is offering a price comparison service which asks customers to answer health and lifestyle questions that take about five-to-ten minutes. 

The broker firm proposes that it is now able to source cheaper life cover for vapers.

‘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,' reads the Futureproof website.

‘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.'

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• Topics
• Adviser / Broking
• Whole of Life
• Term Assurance
• Critical Illness
• vape
• vaping
• damage
• Futureproof
• price comparison
• electronic cigarettes
• tobacco
• cigarette
• Public Health England