I have a nice life insurance policy which I pay a very hefty premium for since I was a smoker. Almost double for that matter. It has been over 6 months now since I quit analogs. Will I pass a non-smokers blood test if I claim to be a non smoker? I am not sure what they look for in the blood but I assume it is a chemical other than nicotine?
E-Cigs and Life Insurance Premiums
- Thread starter Drakos
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Probably is for nicotine, though I'm not a Dr. Just had a renewal for one of my life ins. policies -- unfortunately the non-smoking form is actually not just smoking, it's explicitly stating no nicotine usage, so I'm hosed, though healthier, until I finally go 0 nic (no intent to do so right now).
Just found the answer and you are right about the nicotine. Apparently nicotine clauses differ between insurance companies and tests for other chemicals are used instead. This information might be useful to those looking at or already have a life insurance policy in place.
http://www.dcqna.com/diseases-conditions/157656-y51.html
http://www.dcqna.com/diseases-conditions/157656-y51.html
Yeah, I fairly recently got a life insurance policy and the question was "Have you had any form of nicotine in the past year?" That was a bit disappointing, to say the least. They said that I could get them to redo the premiums after I had been off nic for a whole year.
Nicotine detox is pretty quick. If you can manage to go 72 hours without vaping, or vape 0mg for that time, your blood should be completely free of nicotine.
Probably a good idea to use a new atty if you try that. Wouldn't want traces of nic juice to spoil things.
Probably a good idea to use a new atty if you try that. Wouldn't want traces of nic juice to spoil things.
That is why I hate insurance companies. But since nic is the easiest thing for them to test for that is what they do. Kind of sucks since it is not the nic that kills you.
Thanks for the post and info. I was wondering about that same thing the other day
Thanks for the post and info. I was wondering about that same thing the other day
Not to burst your bubble or anything, but nicotine is not good for your either. You may have saved yourself from Lung Cancer or another lung disease of some sort, but you are still at higher risk for High Blood Pressure and Heart Problems if you are using nicotine. I am not trying to take the wind out of anyone's sails, just trying to keep everyone informed!! Happy Vaping!!
CV
P.S. By the way, I do not think the insurance companies should have any screening for life insurance except to check for terminal disease. I mean people do all sorts of things that are bad for them. Is the insurance company going to monitor your salt intake next?? Maybe adjust your premium according to your weight?? I mean overweight people are more likely to have health problems right? Where will the line be drawn for government and insurance companies to stay out of our personal lives??!! It is ridiculous!!!!!!!
I hear you on that!! My goal is to eventually do 0 nic. I am on 8mg right now from 24 so I am really try hard to eliminate all aspects of harm from my body. I did call Sunlife and they did confirm that you must be nic free for one full year.
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