DAYVAPE Posted January 18, 2010 Share Posted January 18, 2010 I was wondering the other day about something. When I first filled out all the info on a life insurance policy I recently got I of course marked "smoker" in the blank. Well, now that I'm not a "smoker", or don't "use tobacco", what is one supposed to put down in that question since "vaping" isn't an option? I know my premium is a hell of a lot higher because of being a smoker... so I was just curious as to how this is handled when someone has to answer that question and the correct option isn't there to mark ? Thanks again my friends! Link to comment Share on other sites More sharing options...
jiffy Posted January 18, 2010 Share Posted January 18, 2010 I heard that they test for nicotine to determine your status as a smoker. If in the event you pass they can test for nicotine in your system. If they find a certain amount they determine that you are a smoker and can deny benefits. I read this somewhere, but do not take my quotes as direct truth. I would call your agent to discuss further in how they determine smoker vs non-smoker. Link to comment Share on other sites More sharing options...
DAYVAPE Posted January 18, 2010 Author Share Posted January 18, 2010 I heard that they test for nicotine to determine your status as a smoker. If in the event you pass they can test for nicotine in your system. If they find a certain amount they determine that you are a smoker and can deny benefits. I read this somewhere, but do not take my quotes as direct truth. I would call your agent to discuss further in how they determine smoker vs non-smoker. But because I have nicotine in my system doesn't mean I'm a smoker..... especially now that I'm vaping. And the nicotine isn't what kills people that smoke... it's all the other stuff and carcinogins that ruin the lungs, etc. So what do they do in the case of someone that uses a nicotine inhaler or vaporizer I wonder? Guess I need to call and ask! Thanks! Link to comment Share on other sites More sharing options...
GDub Posted January 18, 2010 Share Posted January 18, 2010 Yeah this sounds like something you should speak with your insurance agent about. Policies are just contracts, and each contract can be different. Link to comment Share on other sites More sharing options...
mcquinn Posted January 19, 2010 Share Posted January 19, 2010 Where I work they let me go back to the nonsmoker insurance and that is a hospital,I am working my way to 0 nic ,I am at 6-10 mg now. Link to comment Share on other sites More sharing options...
Brian Posted January 19, 2010 Share Posted January 19, 2010 There was some discussion of insurance in this topic (link below) what was pretty interesting. My link Link to comment Share on other sites More sharing options...
FTJoe Posted January 19, 2010 Share Posted January 19, 2010 There was some discussion of insurance in this topic (link below) what was pretty interesting. My link Thanx for posting that. Mostly me and a random link. Talking to agent is definitely best, I'm sure all states vary, etc. Link to comment Share on other sites More sharing options...
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