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Introduction to Vaping Insurance Specialist

Discussion in 'Vaper Insurance Specialist' started by David R Gould, Sep 20, 2016.

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  1. aliceisinwonderland

    aliceisinwonderland Senior Member ECF Veteran

    Jun 26, 2013
    Northern CA
    Welcome David!!! Vapers need more people like you! You go man!
    • Like Like x 1
  2. David R Gould

    David R Gould Full Member

    @B2L Thanks for reaching out. I would encourage you to check out our site where you can quote yourself to get a preliminary idea of cost and better yet PM or call me for a more detailed eval.
    • Like Like x 2
  3. David R Gould

    David R Gould Full Member

    @aliceisinwonderland Thanks so much! I think together we can make a difference.
    • Like Like x 2
  4. jbmcdan

    jbmcdan Ultra Member Verified Member ECF Veteran

    Feb 24, 2011
    welcome, david. i'm starting a new job next week where the health and life insurances have a "tobacco user surcharge" policy that specifically includes e-cigarette users....sigh. while I use tobacco flavorings, I don't consider myself a tobacco "user"! I'm sure your presence on ECF will be a great help to many of us.
    • Like Like x 1
  5. B2L

    B2L Vaping Master Verified Member ECF Veteran

    Supporting member
    Jan 14, 2012
    Jacksonville, FL
    Awesome, thanks David. I've got a little time tomorrow, I'll check it out and touch base with you.
  6. David R Gould

    David R Gould Full Member

    @dcfluegel Howdy back and thanks!
  7. JoAnnW

    JoAnnW Vaping Master Verified Member ECF Veteran

    Oct 19, 2012
    B'more MD
    Welcome to ECF David! :)

    This will be a great resource at our fingertips.

    Thank you for your interest in this matter. :thumb:
    • Like Like x 1
  8. David R Gould

    David R Gould Full Member

    @Qew Great question! The short answer is that with a few notable exceptions, the insurance industry views vaping the same as smoking. So I have two jobs, 1. to get out the information about those companies at the vanguard of this movement that offer NonSmoker rates (the exceptions), and 2. to try to get more companies to recognize and reward the healthy choice Vapers have made and offer these rates as well!
    • Like Like x 5
  9. mountaingal

    mountaingal Super Member Verified Member ECF Veteran

    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
    • Like Like x 2
  10. BamaBabe4Ever

    BamaBabe4Ever Vaping Master Verified Member ECF Veteran

    Apr 21, 2012

    I think this will definitely be some very valuable Info to a lot of us vapers. it is very much appreciated.
    • Like Like x 1
  11. celticluvr

    celticluvr Ultra Member ECF Veteran

    Sep 21, 2013
    Welcome and thank you so much for what you do for vapers.

    • Like Like x 1
  12. Qew

    Qew Vaping Master Verified Member ECF Veteran

    Jun 5, 2012
    Good answer, thank you!
  13. David R Gould

    David R Gould Full Member

    @jbmcdan Congrats on the new job! As for the way your work benefits view your healthy choice, pity, but this par for the course. Having said that, "work" insurance is an animal of its's great bc it is cheap or even free (maybe not in your case), but it has many limitations. I always recommend clients have their own personally owned coverage as well as work benefits. In your case, a personal policy rated as a NonSmoker might even be cheaper than your group work policy! If you are not using nic juice, you have even more options. Would be happy to go into specifics. Cheers.
  14. Nautilusfan

    Nautilusfan Vaping Master Verified Member ECF Veteran

    Supporting member
    Welcome to ECF David. I know you're geared toward life insurance but wondered if you could be of help with health insurance. Classifying a vapor the same as a smoker is so ridiculous. Hoping you can be of some help in educating health insurance providers to this fact would be terrific!
    • Like Like x 2
  15. David R Gould

    David R Gould Full Member

    @celticluvr Thanks! We are just getting started what I hope to be a real movement!
    • Like Like x 2
  16. Sir2fyablyNutz

    Sir2fyablyNutz ECF Guru Verified Member ECF Veteran

    Jan 22, 2015
    West Virginia, USA
    Welcome to the forum. I still have hope that one day the political hacks will wake up.
  17. rob2655

    rob2655 Senior Member Verified Member

    Supporting member
    Mar 6, 2013
    Rochester Hills, MI
  18. David R Gould

    David R Gould Full Member

    @Nautilusfan Hello! You are correct that for now the focus is Life Insurance bc we actually have some traction there and hopefully can use this as a foot in the door so to speak to influence other areas of insurance like Health, Disability, and Long Term Care. Agreed, it is ridiculous and imho discriminatory!
    • Like Like x 2
  19. DaveP

    DaveP PV Master & Musician ECF Veteran

    Supporting member
    May 22, 2010
    Central GA
    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?
  20. David R Gould

    David R Gould Full Member

    @B2L FYI, we offer a free Policy Review service for people just like you.
    • Like Like x 1
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