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Are E Cig users classified as smokers when buying life insurance?

 
TouchedByAnAngel
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User ID: 22967374
United States
08/12/2013 10:25 PM
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Are E Cig users classified as smokers when buying life insurance?
I'm 48 and have been a smoker since I was 16. I recently read about e cigs and have decided to try them and hopefully switch to them.

I was wondering if I buy life insurance if I can claim that I'm a non smoker if I only use the e cigs?
TouchedByAnAngel

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Anonymous Coward
User ID: 45050972
Japan
08/12/2013 10:26 PM
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Re: Are E Cig users classified as smokers when buying life insurance?
[link to www.e-cigarette-forum.com]
Anonymous Coward
User ID: 45050972
Japan
08/12/2013 10:28 PM
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Re: Are E Cig users classified as smokers when buying life insurance?
Sumimasen o kudasai,
this is the right place for legal Research:
[link to www.e-cigarette-forum.com]
Anonymous Coward
User ID: 42511934
United States
09/27/2013 02:35 AM
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Re: Are E Cig users classified as smokers when buying life insurance?
Insurance company finds out you smoke ecigs and you claimed you are a nonsmoker, you can bet your buns they gonna deny you coverage.
Anonymous Coward
User ID: 47344331
United Kingdom
09/27/2013 03:06 AM
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Re: Are E Cig users classified as smokers when buying life insurance?
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
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Re: Are E Cig users classified as smokers when buying life insurance?
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
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Re: Are E Cig users classified as smokers when buying life insurance?
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..





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