Welcome David!!! Vapers need more people like you! You go man!
@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 www.latitudeinsurance.net/vaping and better yet PM or call me for a more detailed eval.Hey David, welcome to ECF!
I shopped a new policy a couple of years ago and landed with a company who classified vapers and occasional cigar smokers together. My rates are not the lowest but considerably lower than my smoker rates were. I'd definitely be interested in seeing what you can offer.
@aliceisinwonderland Thanks so much! I think together we can make a difference.Welcome David!!! Vapers need more people like you! You go man!
@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 www.latitudeinsurance.net/vaping and better yet PM or call me for a more detailed eval.
@dcfluegel Howdy back and thanks!howdy! and welcome!
@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!Welcome to ECF!
So, how DOES the insurance industry view vaping as a health risk? Are we still smokers?
Good answer, thank you!@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!
@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 own...it'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.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.
@celticluvr Thanks! We are just getting started what I hope to be a real movement!Welcome and thank you so much for what you do for vapers.
@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!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!
@B2L FYI, we offer a free Policy Review service for people just like you.@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 www.latitudeinsurance.net/vaping and better yet PM or call me for a more detailed eval.