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Life Insurance???

Discussion in 'New Members Forum' started by Kobayashi, Mar 24, 2009.

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  1. Kobayashi

    Kobayashi Full Member

    Mar 5, 2009
    I have a life insurance health test comming up. I havent smoked an analog in over 6 months but have been vaping. Should i put down that i am a smoker or not? They do a mouth swab test... Do you think that tests just for nicotine?
     
  2. QueenInNC

    QueenInNC Ultra Member ECF Veteran

    Feb 21, 2009
    Charlotte, NC USA
    I have been very curious about this. I imagine that the nicotine would show with a cheek swab.
     
  3. Kobayashi

    Kobayashi Full Member

    Mar 5, 2009
    I would love to save some money on my health insurance. It douples the price between a smoker and non smoker.
    If anyone has been through this with there insurance company please comment.
     
  4. ratfink

    ratfink Senior Member ECF Veteran

    Mar 19, 2009
    You could try saying that you are using a nicotine inhaler and not using cigarettes, not sure if it would make a difference, but if you are tested you will show up either way.
     
  5. QueenInNC

    QueenInNC Ultra Member ECF Veteran

    Feb 21, 2009
    Charlotte, NC USA

    I have thought about saying that I use the gum. It would obviously be in your mouth. However, the same rates may apply since it is nicotine.:confused:
     
  6. dohsma

    dohsma Vaping Master ECF Veteran

    Feb 26, 2009
    WI, USA
    As a former insurance agent, It is definitely a nicotine test, does not matter what form. In fact the terminology in the insurance business is "Nicotine User" and "Non-nicotine user". However, if you quit nicotine for a few days before your test you could pass. I know that's not easy.
     
  7. Kobayashi

    Kobayashi Full Member

    Mar 5, 2009
  8. QueenInNC

    QueenInNC Ultra Member ECF Veteran

    Feb 21, 2009
    Charlotte, NC USA
    That sucks! But it is what I expected...
     
  9. Sun Vaporer

    Sun Vaporer Moved On ECF Veteran

    Jan 2, 2009
    Florida

    Kobayashi--with some of these companies--they take a hair sample that can trace way back. Ouch!!! I know that some goverment job applicants have had to do this as well as a few insurance companies but that is only for very large policie requests------Sun
     
  10. Baracka

    Baracka Full Member

    Mar 23, 2009
    hmm most insurance offers I get state "tabaco" user
     
  11. ApOsTle51

    ApOsTle51 Moved On ECF Veteran

    Aug 29, 2008
    UK
    I think most test's will search for the nicotine byproduct which is cotinine (cotine). TB mentioned in a thread long ago about tests for it when introducing new employee's into Public servant positions over in the US somewhere.

    Cotinine is a metabolite (byproduct) of nicotine as it is “processed” by the human body. It is an indicator that nicotine has been inhaled or otherwise introduced into the body.

    Cotinine is a chemical that is made by the body from nicotine, which is found in eliquid. Since cotinine can be made only from nicotine, and since nicotine enters the body with Vaping, cotinine measurements can show how much nicotine enters your body.

    The only way to reduce your cotinine level is to stop or reduce your exposure to Nicotine.

    Depending on how high your level is to begin with, your level could drop to that of a nonsmoker in 7 to 10 days
     
  12. Kobayashi

    Kobayashi Full Member

    Mar 5, 2009
    So if i dont smoke anything for 10 days do you think i will pass? I would even stay away from 0nic carts as there may be some traces of nicotine. The test they do are Blood, MouthSwab, and Urine. Not sure which test checks for Nic.
     
  13. Phalse

    Phalse Super Member ECF Veteran

    Seems hair test is what really gets you.

    Ouch spinal tap may contain some trace LOL not sure on the spinal taps and cotinine :)

    Yep, cotinine will be out of your blood, mouth and pee pee after 10 days.
     
  14. dohsma

    dohsma Vaping Master ECF Veteran

    Feb 26, 2009
    WI, USA
    Most insurance companies use an oral swab. If you stay nicotine free for a week, I can't guarantee you'll be all right, but I would be a lot on it. They may say tobacco on their apps and whatnot, but they test for nicotine. Most insurance agents will perform the swab test and it's sent off to a lab. I had to be "certified" to do this process, which was a total joke. The certification consisted of watching a 10 minute video and taking a quiz which literally ANYBODY could have done. Kobayahshi, I think if you could avoid nic for a week, you'd be all right.
     
  15. Kobayashi

    Kobayashi Full Member

    Mar 5, 2009
    Thanks for everyones input. I can save around $300 a month on my life insurance (If i switched to Geico. Hehe). I think i can do 10 day no nicotien for the benifit of my family. Although i know im running back to my E-Cig after the test. Well, if they are still legal at that point!
     
  16. Nuck

    Nuck Ultra Member ECF Veteran

    Feb 14, 2009
    Ontario, Canada
    Won't the life insurance be disqualified if your family ever needs it and you were found to be using nicotine?
     
  17. dohsma

    dohsma Vaping Master ECF Veteran

    Feb 26, 2009
    WI, USA
    The answer to that may vary from state to state, but in my state the answer is no. Basically what they would do is calculate what you should have paid as a nic user and what you did pay. Then they will deduct that amount from the death benefit.
     
  18. Flitzanu

    Flitzanu Ultra Member ECF Veteran

    Feb 9, 2009
    Tulsa, OK, U.S.A.
    ok so, wait.

    health rates are crappy because we use NICOTINE?

    that seems a little...backwards. the SMOKING is what is damaging, not the nic.

    i know, totally another argument...

    but still, what??

    i'd assume it was the effects of smoking, the cancer, the tar, etc, that damages your health. not the nic.

    that just sounds stupid.

    i mean, sorry, more to the point that if they're testing for nicotine in your body and calling you a "nic user" then you must pay higher rates.

    i've thought on the same thing, my rates are about double for my job for "tobacco" and non. of course most just lie, i don't think anyone bothers testing that i've heard of.

    me...i'm the honest one that is now paying MORE bc i smoked on the weekends. by october when renewal comes around though, i'll be checking "non smoker."
     
  19. JJames68

    JJames68 Full Member

    Jan 25, 2009
    guess smoke non-nic juice if you can
     
  20. B&BsMom

    B&BsMom Full Member ECF Veteran

    Mar 21, 2009
    Oklahoma City, OK
    Flitzanu, you’re making us Okies seem honest, lol. I checked Tobacco user in my insurance as well and am really hoping (my ecig should be here today or tomorrow) that when renewal comes around I will be checking no to the tobacco use. My insurance forms only ask about tobacco use though so I won’t be lying. If it asked do you use nicotine I would of course check yes but I’m hoping I’ll be able to honestly check no. Would they expect you to check yes if you used the patch or the gum? Neither of those are tobacco products.
     
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