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Normally, non-smokers including vapers, are charged up to 50% less a year on their life insurance. This could equate to paying between $350 to $800 less a year, depending on other health related factors. However, health insurers in the United States, are following the Food and Drug Administration (FDA), in not considering e-cigarettes or vapes as cessation or harm-reduction tools, and insuring vapers as they would smokers.

“If you have any belief, even given all the uncertainties, that vaping can be a form of harm reduction, from a public-health and ethical standpoint, the answer to this question is obvious,” said Ronald Bayer, [...]