Life Insurance

[Mr. P]

Well, if that's the case I'm curious if anyone know how long it takes for Nic to leave your body? If I was to go get blood work done, how many days ahead of time would I need to stop vaping?

If not mistaken I believe it is like 72 hours.

 

[sailorman]

My husband and I own a real estate and insurance agency. My husband has been doing some underwriting research with different companies on the e-cigarette use versus smoking, and just told me today that he can quote me as a NON-SMOKER since I quit smoking and now just vape. This is great news! The company we're going to use is Prudential.

That's great. Kudos to Prudential for being in the forefront on this issue. I believe I'd want something in writing though, just to be sure. How could they ever verify you stayed quit? I hesitate to believe that any company would leave themselves open to the possibility you would start smoking some time in the future.

 

[Forkeh]

They're not going to exclude vapers, ever probably. It doesn't matter if it's proven for sure that vaping presents no health hazard what so ever. Why? Society has allowed them to discriminate against nicotine users. They make more money doing this. They aren't going to give up that money. Insurance is a numbers game.

I wouldn't call insurance companies evil, but they're out to make as much profit as they can.

 

[Calypso53]

That's great. Kudos to Prudential for being in the forefront on this issue. I believe I'd want something in writing though, just to be sure. How could they ever verify you stayed quit? I hesitate to believe that any company would leave themselves open to the possibility you would start smoking some time in the future.

I'll post here as the application etc. progresses. As far as how could they verify anyone would stay quit, well where do you draw a line? How can they verify a non-smoker would not start smoking, or an office worker would suddenly begin sky diving or riding a motorcycle (both considered high risk activities by insurance companies and affect your rates if you say you do them now). I doubt most people would stop and say "Wait! I must tell my insurance company before I do this"....and yes the policy would still pay in the unfortunate event of the person dying from either of those things.

 

[RobertP27]

If not mistaken I believe it is like 72 hours.

Just found this:

How Long Is Nicotine Traceable?

When nicotine is metabolized by the body, cotinine (the word is an anagram of "nicotine") is formed. Nicotine has a two- to four-hour half-life and is not detectable after 24 hours of use. Its resulting metabolite, cotinine, has a half-life of 16 to 19 hours and is detectable for four to seven days. As such, tests for nicotine use are achieved through tests for cotinine. Heavier use of nicotine results in higher levels of cotinine in the bloodstream and longer detection periods. While the nicotine levels of regular smokers may increase and decrease, cotinine levels are fairly consistent.

Link to complete article:

How Long Is Nicotine Traceable? | eHow.com

 

[jilljones]

All i know smoke is not good to ones health cause every stick you take is you put yourself on dangered, anyway speaking about insurance,i know it is incredibly important, its not about having a negative thought indeed being open to possibilities.We don't know what gonna happened next, and so we have to expect the unexpected.Life insurance is one of those things that many of us know that we should get, but might not have yet purchased. One thing to keep in mind is that you may qualify for free life insurance from a variety of sources. Source for this article:Four places you might get free life insurance.