Lifeguarded are a specialist life and health insurance broker, formed in 2018 by two colleagues who have worked in the industry since 2010. We have always focused on niche products within our marketplace where we can make a genuine difference. We are regulated by the Financial Conduct Authority, offering advice to achieve the best value and quality Financial Protection products, tailor made to meet our clients’ needs.
Understandably, tobacco smokers pay significantly more for Life & Health Insurance than non-smokers. The all too predictable historical view of the general insurance industry has been to treat vapers in the same risk category as that of tobacco smokers for life and health insurance purposes, resulting in an unfair pricing structure for this cover – UNTIL NOW.
We work in partnership with a mainstream insurer who recognises that vapers do not represent the same health risk as that of a tobacco smoker and who price their products accordingly:
Critical Illness Cover
Smokers (and vapers) usually pay almost double that of a non-smoker for Critical Illness cover
With Lifeguarded, vapers pay the same premiums as non-smokers, once tobacco free for more than 12 months
Life Insurance Cover – various categories
Until now, vapers and tobacco smokers typically pay Basic Premium plus 150% for Life Insurance
- No tobacco/Non vaper for 12 months plus – Basic Premium
- Vapers who have not smoked tobacco within the last 5 years – Basic Premium plus 33%
- Vapers who have not smoked tobacco within the last 1-5 years – Basic Premium plus 66%
Vapers who currently have Life Insurance or Critical Illness cover are likely to be paying far too much for this protection cover. Worse than that, many vapers will have chosen not to take out these important insurances and have hence left their families unprotected against the financial implications of serious illness or death due to these insurances being unaffordable or poor value for money, with potentially devastating consequences.
We want to work in partnership with your vaping business to get this important message out, benefitting all those vapers with a need for Life and Health Insurance. By re-enforcing this message, this increases customer loyalty and through the additional cost savings, increase the likelihood of the long term goal of smoking cessation.
If you own or operate a vaping business in the UK, please contact us via firstname.lastname@example.org or 0161 470 4820.