Anyone on this forum who has been analog free for a year, uses a pv with nic juice: Has your life insurance company given you a reduction in your life insurance premiums?
life insurance premiums
- Thread starter larktdl
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hiya, ive come across threads with info on this before but i dont have a link for you sorry....im sure someone will post one up or if you search it you should find some info on others experiences with insurance companies on using ecigarettes...
Just got life insurance a couple of weeks ago myself. They did not care one whit that I had quit smoking. Only that I was still using nicotine, and they still considered me a slight risk because of it. I've known the agent that I went through for years, since I worked in the restoration business and catered to her customers often.
She even tried to call their policy office and clarify, and was told that it doesn't matter where the nicotine comes from, only that I was using it. Probably not what you wanted to hear, but that's where it stands, at least with one major insurance company.
She even tried to call their policy office and clarify, and was told that it doesn't matter where the nicotine comes from, only that I was using it. Probably not what you wanted to hear, but that's where it stands, at least with one major insurance company.
This makes sense. The nicotine itself is still a strain on the heart. Given, the lack of smoke might be seen as a positive, but let's be honest....insurance companies are out to make as much money as possible. They're like preemptive loan sharks. I'm surprised they don't consider you a risk if you drink more than one cup of coffee a day.
Shhh don't give them any more ideas! We're paying enough already xD
And there's the rub, imho. I don't have an answer for you, but I am curious. It has been a LONG time since I talked to someone for life insurance, but what do they ask? Do they say "Do you smoke", or do they ask "Do you use nicotine?". I am so peed off by "the establishment" lately, I would start arguing with them about it.
If they are not asking how much caffeine I consume on a daily basis, then they shouldn't be concerned with whether or not I am using nicotine. UNLESS, of course, I was smoking.
Do they have special considerations for people that are using the patch or the gum????
Yes, I thought these would be the responses. I really didn't expect to read anything positive.
Thanks everyone.
Thanks everyone.
The test is for cotinine, a metabolite of nicotine. Our cotinine levels are lower than those of smokers, but I'm not sure that they're low enough to pass that test. We will test positive for cotinine.
just answer the question the ask. if they ask "do you smoke" you can say no, if they ask "do you use nicotine" then answer "i use an atomizer."
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