Introduction to Vaping Insurance Specialist

[MoonLit_Water]

David, Welcome to ECF


Thats a good thing You're doing there, hopefully the industry will follow suit and it becomes standard. Thanks so much for being a pioneer.

 

[David R Gould]

David, it's good to have you here.

I have to wonder how British doctors have declared vaping to be 95% safer than smoking and the U.S. seems determined to kill vaping or at least make money on it through higher insurance rates. There's obviously some politics underneath it all.

Are the companies you mentioned that offer lower rates to vapers separate from the ACA or are they approved to sell policies under ObamaCare?

@DaveP Thanks for the inquiry and I agree that unfortunately, in the area of risk evaluation of vaping vs smoking, the USA at the back of the pack. As for the companies/policies we represent, we are presently focusing on Life Insurance, not Health, so ACA and Obamacare don't really factor in. Hoping the Health Ins industry perks up its ears when we get enough critical mass on the Life side and changes their views.

 

[David R Gould]

David, Welcome to ECF


Thats a good thing You're doing there, hopefully the industry will follow suit and it becomes standard. Thanks so much for being a pioneer.

@MoonLit_Water Gracias. I'm a bit obsessed about this so I hope my hard work will make a difference in both individuals' lives as well as for the broader vape community.

 

[FranC]

Welcome to ECF,David

 

[David R Gould]

Welcome to ECF David!

This will be a great resource at our fingertips.

Thank you for your interest in this matter.

@JoAnnW The pleasure is mine, I am so excited to help make a difference for people.

 

[David R Gould]

Welcome to ECF,David

@FranC Happy to be here! Great folks!

 

[David R Gould]

Welcome to the forum. I still have hope that one day the political hacks will wake up.

@Sir2fyablyNutz Thank you and they will for sure!

 

[CatLady007]

Welcome, David.

 

[David R Gould]

I certainly welcome you! There are few companies who care to classify us as Nicotine Replacement Therapy Users, I have an insurance company that makes my rate lower then a smoker, but higher then a totally nicotine free rate. I use both e-cigs and nicotine gum, it depends on what I am doing. I look forward to seeing what you can offer. I was using gum and cigarettes, then found vaping, I quit a 40+ year cig habit. There are just some of us who will always need the nic. I considered myself a lifetime smoker because my mom smoked while pregnant and while I was growing up. I got lots of second-hand smoke as a child, so, I consider myself a "Lifer"! This vaping is so much healthier then smoking. But, I still need the nic. So, I will see what you offer. Thanks

@mountaingal Hi and thanks for reaching out. We offer a free Policy Review service exactly this type of scenario. Please check out the web site and contact me for an analysis. Cheers.

 

[David R Gould]

Welcome, David.

@CatLady007 Thanks and meow!

 

[Maxedout]

Welcome to ECF, David!

 

[liblue1]

Welcome David........I hope when I get a moment I can check out the website and maybe get a quote.....just not at this time.......but I am glad you (and others like you) are here........

 

[tmcase]

Welcome David! Always nice to meet a fellow Washingtonian.

 

[David R Gould]

Welcome to ECF, David!

@Maxedout Great to be here!

 

[JimZet]

welcome

 

[David R Gould]

Welcome David........I hope when I get a moment I can check out the website and maybe get a quote.....just not at this time.......but I am glad you (and others like you) are here........

@liblue1 I would love to help out when the time is right.

 

[David R Gould]

Welcome David! Always nice to meet a fellow Washingtonian.

@tmcase Cheers from a Bellinghamster!

 

[David R Gould]

welcome

@JimZet I appreciate it!

 

[DC2]

No life insurance here, but health insurance through work is a problem.
I'd love to see you make some waves though.

 

[David R Gould]

Welcome to ECF,David

@FranC Thank you for the warm welcome