Any new life insurance information???

[Fesso]

Does anyone know if any Canadian life insurance companies that do not consider nicotine use to be smoking?

I have been vaping for almost 5 years now.

I'd love to find a Canadian company to buy life insurance from a company that won't penalize me for vaping....

Any leads?

 

[Imfallen_Angel]

I have Industrial Alliance and once my wife was vaping for a year, she was no longer considered "smoking".

Life insurance | iA Financial Group

 

[vincom]

from reading the "fine print" of life insurance policies it states policy holder must have not used any tobacco and/or nrt(nicotine replacement therapy) products or any said products containing nicotine for a period of 1 year to be eligible for non-smoking rates.
afaik urine tests would reveal nicotine use.
i have not read every policy but they seem to follow each other, its B.S.

 

[Fesso]

Last time (2 years ago) I looked into getting life insurance it was the same thing. It was the presence of nicotine that decided the higher rates.... really pisses me off.... I have very little intention or desire to stop nicotine... I was hoping someone found a company that makes the difference between smoking and nicotine....

 

[Imfallen_Angel]

well, our doctor doesn't consider my wife a smoker at this point either... so...

 

[vincom]

well, our doctor doesn't consider my wife a smoker at this point either... so...

but hes not the one offering the insurance policy

 

[Imfallen_Angel]

but hes not the one offering the insurance policy

Like I said though, my insurance took my wife as being an ex-smoker and reduced the fees.

 

[vincom]

Like I said though, my insurance took my wife as being an ex-smoker and reduced the fees.

oh, i thought u were searching for one.
which ins. co., and they know she vapes?

 

[Imfallen_Angel]

oh, i thought u were searching for one.
which ins. co., and they know she vapes?

Look up, I already said, and included a link to their site. And yes, they absolutely know.

And I'm providing the info, I'm not the OP.

 

[Fesso]

That's great Fallen', I am going to check out Industrial Alliance on Monday. Thanks for the link, much appreciated!

Anyone else have leads, I am sure there must be loads of Canadian vapers that has life insurance....

 

[Drakos]

There is a chemical called cotinine that is primarily scanned for during urine and blood sampling to determine if you are a smoker. The chemical will remain in your system for about 6 months after quitting smoking. Nicotine however takes about 72 hours of non use to dissipate from your system. If you have been vaping for a while, (longer than 6 months without smoking) I suggest that you wean yourself from nic for a few days then take your test. I did that and now classified as a non-smoker.