vaping

The call often comes in like this one: “My client does something called vaping.  It’s not like smoking cigarettes—it’s much less toxic.   He doesn’t do it that often.  He can get a non-tobacco policy, right?”  So, what is vaping?   How toxic is it if at all?  And can you get a non-tobacco policy?

Smoking cessation has been a large contributor to improving mortality over the past few decades and tobacco use, amongst adults and teens, is at an all-time low. However, the trend of vaping and e-cigarettes has exploded. What are the implications for insurers?