Wednesday, March 23, 2016

An open letter to AAA inurance

I received an offer for life insurance through AAA today. For the first time in decades, I actually opened the package and considered getting life insurance. After all, I'm not getting any younger and my bills don't seem to be getting any smaller. Having a life insurance policy might make sense at this point in the game. It would certainly make life easier on my those members of my family that outlive me.

I made it to page two of the packet, then I threw the entire stack of letters and forms and tables in the recycling bin.


At the top of the tables on page two it lists different price structures NOT for tobacco users and non-tobacco users, but for nicotine users and non-nicotine users. I am a vaper and, although the amount of nicotine I take in has plummeted since I quit smoking, I still use nicotine. So, after having chosen a healthier alternative to smoking, I am still being penalized as a smoker.

Initially, I was annoyed. But, the more I thought about it, the more I edged closer to angry than annoyed. Somewhere in the middle, I'm sure I skipped over seriously perturbed, too.


There are no penalties listed for those with a family history or diagnosis of obesity, but still eating fast foods. No listing of penalties for people with a family history or diagnosis of diabetes, but still eat sugary foods. No listing of penalties for people with hypertension that continue to consume caffeinated beverages. No mention of alcohol abuse as a reason for penalties.

In fact, on the surface, it would appear that grotesquely obese, diabetic alcoholics with extreme hypertension and a penchant for free-climbing vertical cliffs for an adrenaline rush would get a better life insurance rate than me. A vaper that chose a healthier alternative to smoking.


  1. I must agree Shawn....It makes me angry also. Why not those with known family medical issues?

  2. So sad and So true. Whatever adds Profit to the bottom line and can be justified through Social understanding.
    Society is obviously full of idiots.

  3. One more Free play for Profits, padding the bottom line. With no excuse beyond Political Posturing, we are penalized under Social Rules of acceptance.
    Society is full of Idiots.

    When exactly did Smoking become Nicotine use? When did Carcinogens become irrelevant?