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Do the insurance companies see a difference between e-cigarette users and smokers? It seems according to James Daley of the Telegraph, apparently not.

It’s well known that smokers pay a premium when it comes to health or life insurance, but what about users of e-cigarettes?

A recent controversial study said that vaping is 95% less harmful than smoking regular cigarettes, which is a great boost for
e-cigarettes, but the insurance companies are not convinced. To them, they’re as bad as smoking.

When taking out a life insurance policy, you will be asked a litany of questions from your waistline as to whether or not you’ve smoked any
tobacco products over the last 12 months (including e-cigarettes). If you answer yes, your premiums instantly double.

What Daley delves into is that the companies do not discern a difference; they don’t ask whether someone is smoking or vaping. He claims
that it’s based on the lack of data. E-cigarettes are still relatively new, and statistics are still forming in the ten years since they debuted.

It is time for insurance companies to consider changing their position. Such a question isn’t so black and white with the advent of
vaping. It is possible that other health problems arise from vaping, but so far, the indication is that it’s nowhere near that of traditional tobacco cigarettes or tobacco products.

Insurers aren’t the only ones still figuring out what to think about e-cigarettes. No one is sure how they want to tax them. Do they tax
them like a pack of cigarettes? No one is sure how to regulate their storage or interstate travel. The Food & Drug Administration is making rumblings that they will be categorizing them as tobacco products in regards to regulations. That means that e-cigarette companies will need to change how they go about manufacturing their products.

InstantGMP can help with that last part. We have a number of companies that manufacture e-liquids, and we guide them through the regulations but also provide a cloud-based software solution that saves them money by organizing their manufacturing process, automating inventory, the ability to make minor changes to a batch, scaling its size, and providing that traceability in case something happens. If you’d like to check out our demo, click here to get started.

We can’t really help with the insurance quandary; our apologies for that.

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