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Cox, Howard
For nicotine-containing vaping, the strategy is the same as for other tobacco types: accurate disclosure of the vaping-rather-than-cigarette nature of the nicotine use, submitted to a carrier whose classification guidelines treat vaping more favorably than cigarette-equivalent
Nicotine usage is one of the main risk factors insurance companies consider, and youre considered a smoker whether you smoke, vape, chew, or use nicotine replacement products
The common excuse is that they smoke one or two cigars a day and that that is nothing compared to 20 30 an average cigarette smoker smokes
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