Is vaping considered as smoking by insurance companies?

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PostPosted: Tue Nov 05, 2013 8:07 am   Post subject: Is vaping considered as smoking by insurance companies?  

Are vapers considered smokers by insurance companies? If not, when should you contact them after you have quit smoking and ask for insurance? Anyone know or could guess?


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Roguemontana
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PostPosted: Wed Nov 06, 2013 4:10 pm   Post subject:   

If you are ingesting nicotine in any detectable amount, you will be classified as a "tobacco user" even though you do not smoke cigarettes. The same is true of a person who chews nicotine gum or uses a nicotine patch to reduce their urge to smoke. Until you have been NICOTINE FREE for 12 consecutive months, don't expect a standard rating for life insurance.



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MaxHerr
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PostPosted: Thu May 08, 2014 12:11 pm   Post subject:   

Actually, you can use e-cigs with nicotine and still get non-smoker rates. Just not with every company.


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anonymous54321
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PostPosted: Thu May 08, 2014 12:39 pm   Post subject:   

Quote:
you can use e-cigs with nicotine and still get non-smoker rates.
This may or may not be true. Refer to my post just above this statement.



When an insurer performs a saliva test, primarily for the purpose of testing for the presence of HIV/AIDS, it obtains the side benefit of being able to also test for the presence of nicotine. If there is a detectable amount of nicotine in that saliva sample, the applicant will be rated "Tobacco Use".



A person who "vapes" should be advised not to do so for at least 12 hours prior to any saliva test for a life insurance company. And even then, there could still be some nicotine present. Tobacco smokers or chewers, as well as nicotine gum chewers, have virtually no chance of passing a saliva test for nicotine because of the higher concentration of nicotine residual in their saliva.


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PostPosted: Tue Mar 03, 2015 5:04 pm   Post subject: life insurance  

MaxHerr,



I ran across this situation a few months back and was able to get insured as a Non-Tobacco Plus and I vape daily. You just need to use the right company I think. Google it, and you'll see a lot of articles about it. Even cigar users (some) can get Non-Tobacco.


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vape4lyfe
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PostPosted: Tue Mar 03, 2015 5:39 pm   Post subject:   

As I previously wrote, insurers may or may not be concerned about the use of "e-cigarettes" or "vaping". The concern is whether there are detectable levels of nicotine in a person's saliva or bloodstream if tested for the substance. Nicotine patches and gum can cause a person who does not smoke or vape to be rated a tobacco/nicotine user.



Insurers have varying attitudes toward tobacco use, and one or two cigars per month sometimes doesn't bother the underwriters.



The fact remains that if an insurer rates someone as tobacco/nicotine user, that person can expect to pay premiums of 50% to 100% or more than a standard non-tobacco rated insured.



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MaxHerr
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PostPosted: Mon Apr 04, 2016 5:43 pm   Post subject:   

I just applied for life insurance and I stopped smoking traditional cigarettes 5 years ago. When they tested the urine they found trances of nicotine from my e-cig, and marked me as a "Tobacco User" and it doubled my rate. I immediately cancelled my life insurance after that. They shouldn't be allowed to classify me as a "Tobacco User" when I am in fact not smoking tobacco at all. Nicotine is not even the concern, it's the carcinogens in tobacco that's the problem. Insurance companies need to change their underwriting process to not screw over e-cig users. It's unfair.


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Zachary
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PostPosted: Fri Apr 15, 2016 4:30 pm   Post subject:   

Quote:
It's unfair.


No, it's not. It's the same as a person who uses nicotine gum. The insurance company looks at it this way: If you don't have access to the "juice" (or the gum), you might just opt for a real cigarette and decide you like it better.



Insurance companies should ask the question as I learned to do many years ago: "Do you use any products containing nicotine?" They would get a lot more YES answers and the outcome would be clearer.



The good news is that if you stop using the e-cigs for 12 months or more, you can generally have the "tobacco" rating changed to nontobacco, and receive a premium reduction. You just have to ask for it -- they probably won't ask for blood or urine.


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