Disclose and Relax
Many of our clients have expressed concern about how to answer the questions on their phone interview or how testing positive for nicotine will affect their results. Some have read, heard from friends, or even been advised by other agents to fib about their habits or abstain for long enough to test negative. Trying to game the system leads to feelings of insecurity and potential void your policy.
By working with an experienced agent and the right Vape friendly life insurance carrier, you can have the peace of mind of honestly answering any questions about your current and historical nicotine usage and still be assured of getting a NonSmoker rate. How often you vape, what concentration of juice you use, or what gear you prefer are not considered at all. You can get it all out there in the open.
Our partners know that you are going to test positive for nicotine. There is no need to go through the hassle of quitting temporarily in hopes of a clean test result. As long as there hasn’t been any cigarette use in the last year, and they have other methods of determining this, you are not going to be rated as a Smoker.
This is a case where honesty is not just the best policy, but the easiest one as well. Working with your agent and going over all aspects of your health and lifestyle will result in coverage that you and your family can depend on.