Recent content by David R Gould

In case you have not already heard, due to the recent spate of illnesses and deaths attributed to vaping Prudential has announced it will now fall in line with the rest of the life insurance industry by rescinding their practice of offering Vapers NonSmoker rates and moving to Smoker rates...

Hello Friends! I am happy to announce the launch of our new web site www.vaperlifeinsurance.com! With a simplified the look and flow, we make it easier for you to get the NonSmoker life insurance quotes you need. Check it out and let us know what you think. We strive to provide the best...

Hi @chas125 , Thanks for your inquiry! I would love to help you, but unfortunately we are only set up to work with folks in the USA and Canada, though we can insure foreigners if they live in or visit the USA. I am not familiar with which carriers operate in the UK or if any of them are Vape...

Today I am going to describe 3 important milestones for Vapers looking to save money on their life insurance. 1. Quitting Cigarettes: this is why most of us are here, right?! Making the healthy choice of switching from cigarettes to vape is a life changing event for many reasons. You and those...

Hi Friends! Great news! Our top Vape friendly life insurance carrier has just reduced their rates on Vape Life Insurance. If you haven't quoted yourself yet, or have been on the fence, now is a great time to revisit us here and see how reasonable it is to get yourself protected. Remember that...

Wow! I wasn't even running a contest, but this one just broke the record...We just saved an ECF member $87,900 on his life insurance! I had to do my addition again to make sure I was right, but it's true. On a $1 million 30 Year term policy this was the difference in total premium over the...

Hello friends, I wanted to create a place for ECF members who Latitude has helped insure at NonSmoker! rates to share some of their feedback. I invite anyone we have helped to tell their story so we can educate and inspire others to take the next step for themselves. Thank you!

Hello Vapers! Here is another shining example of what we do: "Ed" is a 64 year old ex-smoker, married, and just bought a home in a retirement community. He now has a new $200,000 mortgage to go along with this transition and wanted to make sure he got life insurance to protect his wife...

Hello again, here is a breakdown of the bottom line cost savings Ron stands to see: Monthly Vaper Rate Savings Vs Smoker $280.80 Annual Savings $3,369.60 20 Year Policy Length Savings $67,392 !!! What would you do with the savings? :)

Hi Folks, just wanted to emphasize the bottom line again on this particular case. Monthly Savings Vaper rate $97.67 Annual Savings Vaper rate $1,172.04 30 Year Policy Length Savings $35,161.20!!!! What would you do with the difference??

I wanted to bring to your attention a nice article by Jim McDonald over at Vaping360.com. Life insurance for vapers? - Vaping360 Insightful and well written piece and very on point as far as our mission here at Latitude. One correction: in describing the blood test that is part of a Life...

@absoluttalent, you are right in the sense that Vapers are not smokers and don't need to answer in the affirmative to the question "Are you a smoker?" However, if you are suggesting that you can fool an insurance company to get a NonSmoker rate, this is not only unwise, but illegal. During the...

@mountaingal, thanks for your support! We are making a difference for vapers!

Case Study #2 Bob Bob contacted me with an interest in obtaining life insurance to protect his wife and kids, something to help cover the mortgage and replace his income if the worst happened. He first wanted to check with his current auto and home insurance carrier, a well known company that...

@rwoodin, thanks for your comments! First of all, congrats on being smoke free for 7 years! That is fantastic. I don't see a counter in your signature, but you must have saved thousands of dollars just on cigarette costs alone since you quit. Now it is time for your Life insurance to give...