Why life underwriters remain cautious about e-cigarettes

clock • 2 min read

Paul Sandilands weighs up whether vaping should equate to smoking

The advertisements below are a vivid reminder of how attitudes to smoking have changed since the 1960s! It has been said that the campaigns to stop people smoking has saved more lives than antibiotics. So, if vaping helps people stop smoking that must be a good thing. What are the current attitudes of life underwriters to e-cigarettes and vaping? A recent survey of seven major life insurers, carried out by Pulse, showed that only one was prepared to modify their normal smoker rates (by 50%) for vapers. The great majority of underwriters want to know if the applicant has smoked in the last 12...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Underwriting

Two key medical underwriting trends impacting your clients in 2024

Two key medical underwriting trends impacting your clients in 2024

Mental health and the right to be forgotten

Darren Lee
clock 20 February 2024 • 3 min read
HSBC Life introduces underwriting changes for mental health

HSBC Life introduces underwriting changes for mental health

Applicants more likely to receive cover and standard terms

Jaskeet Briah
clock 01 February 2024 • 1 min read
Is excess mortality here to stay?

Is excess mortality here to stay?

“There is something bigger at play here for society”

Jaskeet Briah
clock 31 January 2024 • 5 min read