Congrats Mike!
Also just wanted to note that you can get life insurance (not yet health as far as I know) at non-smoking rates. There is a Vape Life-Insurance link at the main level of this forum above. It saved a ton of $$$ for me - I got twice the term at less cost from the same insurance company I was already insured with. I'm not associated with them and have no financial ties...just a happy customer.