I have a 20 year term policy that has hit the halfway mark and per the policy, my premium went up a fair bit. So I approached a friend of mine who is an agent for New York Life to see what he might be able to do for me. He asked me if I was still vaping and I told him yes. He said the insurance companies have lumped all nicotine delivery systems together. He gave me two quotes. The nicotine user quote was double the non-nicotine user quote. He said if I could quit vaping for three weeks, to get it out of my system I could get the testing and get the non-nicotine rate. Not sure I can do that. Maybe I could try vaping zero nic...I don't know. Maybe I'll just stick with the policy I already have.