Is vaping considered as smoking by insurance companies?

Submitted by Anonymous (not verified) on Tue, 11/05/2013 - 08:07

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?

Posted: 06 Nov 2013 04:10 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.

Posted: 08 May 2014 12:11 Post Subject:

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

Posted: 08 May 2014 12:39 Post Subject:

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.

Posted: 03 Mar 2015 05:04 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.

Posted: 03 Mar 2015 05:39 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.

Posted: 04 Apr 2016 05:43 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.

Posted: 15 Apr 2016 04:30 Post Subject:

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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Posted: 19 Jun 2019 04:24 Post Subject: Local SEO Ranking: What extensive research reveals

Thank you for taking time to read this message.Best regards,

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Facts about Google_s Local Ranking


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2. Website factors. Not surprising, but use of the target keywords and the number of words on a page appeared to make a difference. Location pages with a lot of content tend to do better than those with smaller amounts.


3. Citations. While citations are important to establishing authority of a site, interestingly, the study found that citation did little to disrupt a site from its local ranking, especially if the site is already in Google_s Local Pack. This does not mean citation problems shouldn_t be fixed. It just confirms that while foundational in nature, citations do little to improve local rankings.


4. Factors related to Google My Business. The study_s results showed that, while inclusive in and of themselves, having a more complete Google My Business page did result in better local rankings. Given how these factors work, it_s difficult to determine the precise contribution of GMB factors to positive page rankings. However, factors such as verified business ownership, photos and good reviews in your GMB profile all helped with enhancing local rankings.


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for your Local SEO Ranking strategy?
Well, for starters, you do need to tackle your citation issues ASAP.


And, if you are competing in a particularly competitive niche, you need to start acquiring backlinks _ high-quality ones! _ at the earliest. But more significantly, the results of the study lead us to conclude that Google_s organic Local SEO Ranking algorithm holds a lot more sway on Local Pack ratings than it did prior to its Pigeon upgrades.

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Posted: 02 Jul 2019 09:56 Post Subject: We Enjoy Links

We Like Links

Hi

I'll not waste your valuable time.

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So...<clears>

Accepting any guest posts?

Or have a resources page maybe?

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Perhaps you too are looking to increase traffic and search rankings, it's possible a link exchange with one of our sites is a good match for you?

We're open to anything really, if you'd like to discuss opportunities, just send an email to the submitted address and we'll get right with you.

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Cheers!

P.S. You really should reply, then I'll reply back, then you can laugh at my funny profile picture. I'd explain further but it would ruin the surprise.

Posted: 05 Oct 2019 01:03 Post Subject: about critical SEO factors

Thank you for taking time to read this message.Best regards,

Below you will find a short overview of a study based on an analysis of 600,000 search queries, which then calculated the value of various local ranking parameters for each top-100 page.


Facts about Google_s Local Ranking


Is there at least one keyword in your list of keywords, like _keyword + City (or state)_, that you_d like to rank for?


If so, then you_ll find the information below extremely useful! These findings are based on a large-scale research effort on Google_s local ranking algorithm, and highlights the importance of various local SEO ranking factors.


But before I go into further detail, let me take a moment to remind you that we are running a 20% Discount Special Offer for all 20-70 DA backlinks.


So, let_s briefly answer the question:


What is the priority of local SEO investment?

Main Factors Impacting Local Ranking

1. Links. While everyone understands that backlinks play a crucial part in local ranking, the lesser-known secret discovered by the study is that they have the strongest correlation to positive ranking. What really matters is how old your links are, target keywords usage and word count of on-page content. All of which helped towards creating positive local rankings.


2. Website factors. Not surprising, but use of the target keywords and the number of words on a page appeared to make a difference. Location pages with a lot of content tend to do better than those with smaller amounts.


3. Citations. While citations are important to establishing authority of a site, interestingly, the study found that citation did little to disrupt a site from its local ranking, especially if the site is already in Google_s Local Pack. This does not mean citation problems shouldn_t be fixed. It just confirms that while foundational in nature, citations do little to improve local rankings.


4. Factors related to Google My Business. The study_s results showed that, while inclusive in and of themselves, having a more complete Google My Business page did result in better local rankings. Given how these factors work, it_s difficult to determine the precise contribution of GMB factors to positive page rankings. However, factors such as verified business ownership, photos and good reviews in your GMB profile all helped with enhancing local rankings.


So, what does this mean
for your Local SEO Ranking strategy?
Well, for starters, you do need to tackle your citation issues ASAP.


And, if you are competing in a particularly competitive niche, you need to start acquiring backlinks _ high-quality ones! _ at the earliest. But more significantly, the results of the study lead us to conclude that Google_s organic Local SEO Ranking algorithm holds a lot more sway on Local Pack ratings than it did prior to its Pigeon upgrades.

Let a team of Pros give your site a Local Boost

With years of experience on our side, and in-depth knowledge of how Google_s Local SEO Ranking algorithm works, our team of professionals have already helped many of our clients:

- get high quality backlinks (you can get the same now with 20% discount)!

- enrich their site with top-notch content

- get a long list of the citations as a BONUS for any of our backlinks package!


And that_s exactly what we_re offering you today! But you need to act NOW to take advantage of our special 20% discount offer, because the window is closing fast.


Chris Patterson
CEO, Assured SEO & Digital Consultancy
chris.patterson@seoespecialista.com

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