Satisfied client’s vape insurance review
Mr H had recently moved into a new home and was looking for life insurance to protect his outstanding mortgage of £125,000 in the event of his death or being diagnosed with a terminal illness.
As someone who vapes and uses e-cigarettes, he did not class himself as a smoker. However, most insurance companies would classify him as a smoker if he applied for life insurance.
Our client told us that he had read a lot in the press and online recently about the reduction in the harm that vaping poses when compared to smoking tobacco. *
A speedy result
Once we had found a quote that Mr H was happy with, we spent 10 minutes running through the application with him and his cover started immediately.
He told us that the quote we provided him with was £40 per month less than what he is currently paying, as his old policy was based on smoker rates. That means he will be saving in excess of £5,000 over the next 11 years.
Mr H left Future Proof this wonderful review
We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. Future Proof is committed to thorough research so that you don’t have to. What’s more, our advice comes at no obligation and with no hidden costs. You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them.
Client ID 136816847
*Report published by Public Health England Feb 2018
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Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!
An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.
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