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How Insurance Companies Differentiate between a Vaper and a Smoker

Discussion in 'Vaper Insurance Specialist' started by David R Gould, Oct 7, 2016.

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  1. David R Gould

    David R Gould Full Member

    Many Vapers have expressed concern about how a Life Insurance company is going to differentiate you from a tobacco smoker and how they are going to substantiate this difference. The validation of a NonSmoker rate class that can save you up to 60% on your premiums is a multi-step process:

    1. Application: one of the first questions on the electronic application is “Has the Proposed Insured ever used any form of tobacco or nicotine-based products?” This is of course answered in the affirmative.

    2. Phone Health Interview (PHI): Questions include whether an applicant has ever smoked cigarettes, if they currently smoke, or if not, date of last use.

    3. Physical Exam: during the physical exam, applicant will be asked in more detail about any current nicotine use, including vaping.

    4. Lab Results: samples taken during the Physical are evaluated for combustion markers like Thiocyanate to rule out current cigarette use.

    It is through this series of steps that the insurance company can verify that you are only vaping and validate their ability to offer you a NonSmoker rate!
     
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