Interestingly, our friends at E-Cigarette Forum (ECF) seem to have found an insurance agency that's aiming squarely at the vaper market. Latitude Insurance is advertising itself as a partner of ECF and ECF is featuring the agency with promotional banners.
The Bellingham, WA, agency is a so-called independent insurance broker. That means the agency offers insurance from multiple carriers, and can compare the prices and features across a lot of available policies. That may be a better option for consumers than going to the local branch of a single major insurance company.
David R. Gould, an agent at Latitude Insurance, actually has a thread on ECF in which he's actively engaging vapers and addressing some of their concerns. It's interesting. Gould says part of his job is to get more companies to recognize and reward the healthy choice vapers have made, And he's right. When that happens, prices will go down further, and vapers will have more insurance options.
But a lot of vapers' questions are about health insurance, which Gould and Latitude don't offer. Health insurance is the larger issue. When health insurance companies recognize vaping as a practice that lowers their costs, they may just drag the rest of the American health establishment along with them. But that may not happen until there are real long-term studies of how vaping improves the health of ex-smokers.
David Gould think that offering life insurance for vapers may push the providers to change their attitudes. He hopes to use this as a foot in the door so to speak to influence other areas of insurance like Health, Disability, and Long Term Care.
Every vaper looks forward to the day when switching to a far safer way of getting nicotine earns us less expensive health insurance. It will happen eventually. Meanwhile, wanna buy some life insurance?