If you are looking for Vaping life insurance leads, we own and operate a Vaping life insurance leads generation platform called Impaired Life Leads.
iLL has joined forces with hundreds of UK FCA-authorised brokers and BDM's of mainstream insurers with the aim of building joint partnerships within the impaired life insurance space. We provide the leads, the broker is provided the Vaping life insurance leads and then sells the policies and provides the advice, and we simply earn a commission on each policy that's put through.
We have the power to generate over 2000 Vaping life insurance leads per week within the impaired space and we are looking for a simple relationship with a mutually beneficial end.
If you're interested, give us a call - we will even help you how to best place an impaired customer using specialist impaired life placement software.
We have a minimum starter Joint Venture order of 100 leads per week for your chosen medical condition(s).
Are you looking for life insurance as a vaper? It can be difficult to know where to turn if you are looking for life insurance that covers vaping. At iLL, our comparison and matching service puts your application for life insurance in front of a network of approved impaired insurance specialists, so that you can quickly and easily locate the best insurance policy at price that suits you.
E-cigarettes and vaping have become increasingly popular as an alternative to cigarettes in recent years. E-cigarettes heat nicotine, chemicals and flavourings to create a water vapour that is inhaled. Although vaping exposes a person to fewer toxic chemicals than cigarettes, vaping can still harm your health and raise your risk of developing conditions like lung cancer and heart disease. E-cigarette vapour does not however contain carbon monoxide or tar, which are two harmful elements found in tobacco smoke.
There are around 3.2 million e-cigarette users in the UK, and more than half of them have stopped smoking cigarettes. It is viewed by some that e-cigarettes help a smoker to transition to vaping and then stop smoking completely. According to a 2019 NIHR clinical trial of 900 people, e-cigarettes were twice as effective at getting regular cigarette smokers to quit, in comparison to nicotine replacement products such as patches and gum.
If you vape, it can be confusing to know where to find an insurer that will cover you for life insurance. As vaping still carries some health risks (many of them unknown at this stage because research is still in its early stages), some insurers are likely to be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for vaping life insurance, and need to manage their level of risk. If you vape, you have a greater risk of developing lung cancer, other cancers and heart disease due to the chemicals that are contained in the vaping products that you use. This is where iLL can help in finding the right insurer for your personal circumstances, by getting your details across to an insurer that will accept applications from vapers.
If you vape, you should expect to pay much higher premiums than a person who doesn’t vape. This is because vaping, like smoking, carries various health risks and the products themselves contain nicotine and other toxic chemicals. As research regarding the effects of vaping and vaping smoke is still in its infancy, there is much that is not known about the effects of e-cigarettes on the body. This means that insurers are therefore cautious about taking on applications for life insurance from those who vape. An insurer will also want to know about your current state of health, medications you take, any treatments you are undertaking, and how often you vape so that they can determine your level of risk.
Prices from insurers will vary depending on who you speak to, which is where iLL can help. With our comparison service, you can easily find the best vaping life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. Vapers and smokers should generally expect a loading fee to be applied to their policy to cover their level of risk because they are undertaking a habit which is harmful to health.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal. It’s quick and easy to get your quote – just fill in our simple form.
Fill in our 30-second form
iLL works with many of the UK’s leading vaping life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one vaping life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
If you take out critical illness cover, you are insuring yourself against the risk of serious illnesses such as cancer, heart attack or stroke. Following a claim, an insurance provider will pay out a lump sum if you are diagnosed with a critical illness. This sum can be used however you wish – to pay off your mortgage, cover bills or to pay for care (based on your illness).
Like smokers, vapers should expect to pay more for critical illness cover than non-smokers. Sometimes premiums can be double the amount due to the high risk involved. This is because vaping, like smoking, puts you at a greater risk of contracting an illness such as lung cancer. An insurer will usually request details from you regarding how much vaping you do every day. If the amount that you vape is fairly minimal, you could be accepted for cover, but at higher premiums. There is a lot of unknown information about how vaping affects your body and health, and ongoing research is still being conducted. Expect that insurers will generally exercise caution regarding vapers and life insurance cover, and will want further details about your circumstances.
iLL’s policy comparison service can help you find the right cover for critical illnesses. Just fill in our simple form to get matched with a quote from the right approved and vetted insurer today. We can save you the time and hassle of searching the market trying to find the right insurer for vaping life insurance and critical illness cover.
For more information on vaping, visit the following links:
British Heart Foundation
At iLL, we can help you save time and money by making the purchasing of vaping life insurance as quick and simple as possible. Knowing where to find the best price and insurer for vaping life insurance can feel a little daunting. We’ll do the hard work for you – just fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners. Our free service can help you find the most comprehensive cover at the best price.