TESTIMONIALS from ECF Members insured by Latitude

[David R Gould]

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!

 

[dcdozer]

I had an existing "Preferred Smoker" life insurance policy when I saw David's thread about non-smoking life insurance for vapers. I was highly skeptical due to the negative press so rampant in the mass media, and it was difficult to believe that any insurance company would take a positive position on vaping. But I contacted David to check it out.

After talking with him I decided to pursue, and I went through the usual questioning and health screen. Well, the blood work lab tests came back positive for nicotine (no shock there), but I still got my non-smoking policy. In summary:

• My previous smoking policy was for 10 years, and the new one is 20 years, yet it is still lower in cost.
• Not only that, the higher cost smoking policy covered less risky years from the life insurer's perspective - it covered me to age 50 - while the new policy covers me to age 65.
• Surprisingly, the new non-smoking policy is issued from the same company as my previous "preferred smoker" policy (a big name insurer everyone has heard of).
• If I had gotten the same 20 year policy as a "preferred smoker", it would've cost $67,000 more!

David is very responsive and professional. I understand a healthy skepticism towards this (believe me), but I can't recommend David and the policy he just got for me highly enough!

 

[DualChamber]

Doing what is good for your family has just become affordable!

Been vaping since 2009. My last term life insurance policy lapsed three years ago (2013). I decided to apply for a new policy in 2014, went through the inital meeting with a local insurance agent, sat through a health assessment, and gladly provided bodily fluids for testing. Throughout I told everyone there would be nicotine in my system and that it was not from tobacco. The final insurance quote was astronomically high. I was considered a smoker. Try to make a positive lifestyle change and you get no reward for doing so.

A few months ago I came across Latitude Insurance and just this week I secured a term policy effective 1 January 2017 as a non-smoker. Saved oodles of dollars. David was helpful throughout the process. If you have been put off by life insurance rates before, seriously contact David for a free quote.

 

[rob2655]

I highly recommend going with David and Latitude Insurance. I received several quotes and was resigned to paying a lot for my insurance when I saw Joker's post about David. I contacted him and he walked me through the process from beginning to end.

His quote was 50% lower per month than the others I had received. He stayed in touch with me the entire time and and was always there to answer any questions I had. If you have ever considered life insurance and thought it would be too much, or if you have already received quotes and couldn't afford it, give David a call. You won't be disappointed.

 

[leemm]

David was outstanding to work with. After trying to get life insurance through my current provider (State Farm) I was astounded that they treated me as a smoker still after switching to vaping for over 3 years. Working with David I was able to receive a larger policy as a NON-SMOKER (Vaper) at a cheaper rate then what I was currently paying for less then half the coverage. I can honestly say this is the most pleasant dealings with Insurance I have ever had. Thank you, David!

 

[stols001]

This is really useful to hear, thanks for starting the thread. I may have to look into this...

Anna

 

[Jay Y]

I sure am happy that I found David Gould and Latitude Insurance. Previously, I had an annually renewing 1-year term life insurance policy through another well-known company. My problem was that the premium was steadily increasing each year as I grew older. I knew I had to make a change. But since I use e-cigs, other companies only offered me high-priced "smoker" rates, since I still used nicotine. Well that's not fair, since I'm NOT a smoker and I've chosen a safe alternative. David was able to get me locked into a 15-year policy with Prudential with a very reasonable non-smoker rate, no higher than what I was paying with the other company. And this one won't go up! The process was simple and David was very knowledgeable and helpful the whole way! I would highly recommend anyone else who vapes to contact David if you're looking into purchasing life insurance.

 

[mac-nutty]

i have been IV'ing ejuice for 9 years now and can't get enough of it the initial rush is tremendous......
i also have a fascination with cleaning loaded guns while they are pointing at my head
what can u offer me for cover?

yours faithfuly
mac-mutty
xx

i love the non-obvious ad above very slick
jay y :nod: