The costs of running this huge site are paid for by ads. Please consider registering and becoming a Supporting Member for an ad-free experience. Thanks, ECF team.

How Insurance Companies Differentiate between a Vaper and a Smoker

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

Thread Status:
Not open for further replies.
Image has been removed.
URL has been removed.
Email address has been removed.
Media has been removed.
  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!
    • Like Like x 1
Thread Status:
Not open for further replies.

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice