Are E Cig users classified as smokers when buying life insurance? | |
Anonymous Coward User ID: 45050972 Japan 08/12/2013 10:26 PM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 45050972 Japan 08/12/2013 10:28 PM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 42511934 United States 09/27/2013 02:35 AM Report Abusive Post Report Copyright Violation | |
Anonymous Coward User ID: 47344331 United Kingdom 09/27/2013 03:06 AM Report Abusive Post Report Copyright Violation | I was sitting with my broker the other day puffing on my ecig sorting out some life insurance (I just moved home and needed to change my coverage) and as I was puffing on an ecig asked how long I had given up smoking... I said 4 years and they wrote down "non smoker" If I had said 2 years and under there is a chance I would relapse and return to smoking so would still be considered a smoker.. and it is that (for my insurance company) that matters the most. Hope the above garbled crap made sense |
Anonymous Coward User ID: 16733488 United Kingdom 09/27/2013 03:13 AM Report Abusive Post Report Copyright Violation | My life insurance broker told me it is determined by nicotine levels in your system, so if they find above a trace amount of nicotine in your system and you claimed to be a non smoker, it would void your life insurance. I have been smoking an E-cig for 5 years, still the broker classifies me as a smoker!javascript:doSmilie(':yoda:'); |
Anonymous Coward User ID: 47344331 United Kingdom 09/27/2013 03:22 AM Report Abusive Post Report Copyright Violation | My life insurance broker told me it is determined by nicotine levels in your system, so if they find above a trace amount of nicotine in your system and you claimed to be a non smoker, it would void your life insurance. I have been smoking an E-cig for 5 years, still the broker classifies me as a smoker!javascript:doSmilie(':yoda:'); Quoting: Anonymous Coward 16733488 It was a conversation I had, NRT seem to count towards being a smoker, but at the moment Ecigs are not considered NRTs so don't count.. it is very messy and probably worth the OP asking different insurers what their policy on NRTs and Ecgis is.. As I said, mine considers a non smoker someone who has not smoked or used NRTs for 2 years.. |