Some of you may have them some of you may not, but I do. A Life Insurance Policy. It's good to have, you always want to make sure your loved ones are well taken care of after your gone. So anyway on to why I started this topic, I was sitting down with an agent the other day adding a new type of life insurance. If anyone here has ever done this, you well know that they ask you quite a few medical questions, (to see how high risk you are I'm sure) One of the questions for this policy was "do you use tobacco..." Of course I had to stop for a second and say "well...no. BUT I do use nicotine, well actually an electronic cigarette" The insurance lady of course didn't know what the heck I was talking about. I explained to her how they worked. Her first response was "oh so it's like hookah" I don't know why, but everyone I talk to who has never heard of an ecig compares it to hookah.
Well long story short, there is an option for "member uses any device that delivers nicotine" which of course was me. Because of this I have to pay a MUCH higher premium, in fact the same premium that a smoker does. How much does that suck? So even though we've all quite and started on ecigs, we STILL have to pay far more due to our little nicotine problem.
So has anyone else experienced this? Do you think there is a way to fight it? Do you agree with it? Thoughts please...
