How To Answer The Following Question?

[DAYVAPE]

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!

[jiffy]

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.

[DAYVAPE]

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!

[GDub]

Yeah this sounds like something you should speak with your insurance agent about. Policies are just contracts, and each contract can be different.

[mcquinn]

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.

[Brian]

There was some discussion of insurance in this topic (link below) what was pretty interesting.

My link

[FTJoe]

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.