i vape underage,, my mom is signing me up for life insurance. will i get ratted out?
Hey everyone, as the title says, I got into the wrong crowd when I was 16 and I started vaping on and off. Here I am at 18, and my mom now wants to sign me up for life insurance. She and the rest of my family don’t know I vape.
She said there will be a blood and urine test (I don’t know when that’s happening), and upon looking it up I saw that they test for substances to see if you’re at risk. I don’t care about a raised premium since I’ll be paying for the insurance. The only issue is that she is the independent contractor that is “subbing out” an insurance firm. I wasn’t sure if they have to legally tell her why they’re raising the premium, or if HIPA applies to this situation since she’s my mother?
So, from there I have a few options. I can either tell whoever is testing my blood and urine that I vape and risk them telling my mother (which I am unsure of the obligation or legal implication), or go clean for a week or so before the test (I don’t know the legal implication if I’m caught in a lie). I asked one of my friends (who has a connection to a life insurance firm owner) and she said I have absolutely nothing to worry about. But that was BEFORE I knew my mom would be the one contracting them.
What should I do? Please excuse my lack of knowledge on this subject matter since the info I got is from google. Also, I know vaping is bad for me and I should quit; I need to quit on my own terms to truly purge it, so quitting is not an option in this scenario. Thank you!!