So, I've been trying to get life insurance for a little while now. I started the process in early January. I just got a phone call today letting me know that I have been approved for insurance, but at a higher cost than I was previously quoted for. Double the cost to be exact due to smoking. They found in my medical records that I smoked, which was true.
I have been vaping for about 6-7 months now. Not one smoke. Not one tobacco leaf. Either way, the guy says he wants me to help him help me. "Help me help you." So I ask him what he needs. He says that after 10 months, I can reapply and get the smokers rate removed as long as I have not been smoking. I tell him no problem. I don't smoke or use tobacco products. He then says that I just need to setup 3 doctors appointments throughout the rest of the year. Spread them out over the 10 month period, so that when I reapply, they can see something from my doctors saying that I am tobacco free. I say no problem. Can do!
Then I remember, I just had my yearly physical. One of the questions asked is, "Do you smoke or use tobacco products?" Of course my answer is no, but I let them know that I do use a nicotine product that I would relate to using the patch. They make a note in my records. I see the doc and she asks questions about the product. I show her and she's glad that I'm not smoking cigarettes anymore. Nothing much said about the product.
So I bring this to the attention of the insurance guy and he says that insurance companies claim that e-cigarettes fall under the category of a tobacco product even though there is no tobacco. He also says that I would get a better rate if I used a smokeless tobacco product. I laughed my butt off and was about to get pissed, but realized that I can't be mad at him. He's not the company. He's just providing me the information.
Fact of the matter is that I am pissed though. Are you really going to tell me that you believe sticking a pack of tobacco leaves in my mouth and sucking on the juice then spitting is healthier than using a product that contains nicotine? Sucks they feel that way and there isn't much I can do about it.
In the end, I'll have to go to 0 Nic juice if I want a lower rate. Downside is that I'll be stuck with the larger rate for a year. Upside is that the e-cig was never meant to be a replacement for me. It was a way to get me off puffing on anything. Knowing that my daughter will be taken care of after I'm gone will be worth giving it up earlier than planned.
So cheers to all who were able to quit smoking. My journey is ending and I'm taking a different path. Tomorrow is day one of 0 nic.