Testing For Nicotine For Life Insurance

How to pass a nicotine test for life insurance. Why life insurance companies test for nicotine.

How To Pass A Tobacco Test 13 Steps With Pictures Wikihow

The nicotine test for life insurance is designed to measure the level of the substance in the system and to define once and for all if the person is a smoker.

Testing for nicotine for life insurance. Nicotine can be detectable in your system up to a week since your last usage of nicotine products but this can vary based on your biology and the test used. The best way to pass a nicotine test to get life insurance is to finally quit smoking. Employers who provide health insurance as part of their benefits package may also charge more in premiums for smokers.

Certainly some people do not think this is fair and it may very well not be. Life insurance companies do test for nicotine usually either through a urine test or a saliva test. Life insurance companies are particularly concerned about smoking and other tobacco use so the nicotine test is a very important part of the underwriting process.

Final thoughts on if life insurance companies test for nicotine. Your urine or blood is sent to a lab for testing. Life insurers cant risk insuring someone who may develop life threatening health conditions due to smoking without charging them more.

But to obtain health care or life insurance today you are likely to face a nicotine test. Since smoking makes you riskier to insure smokers pay more for life insurance premiums. When applying for life insurance and in some cases health insurance certain lifestyle habits may end up costing you more each months in premiums.

This is why seniors over 70 years with not so good health condition should get a guaranteed policy which is pricey but confirmed. Although there are ways on how you can flush out the nicotine and you also have the information on how long nicotine stays in the body the best solution is to stop smoking. This is exactly why health insurance and life insurance companies make it a point to charge a higher premium for those who are confirmed as smokers.

The insurer may require a medical exam that includes a urine sample or blood sample. One of these habits is smoking or other nicotine use. Life insurance nicotine testing is testing performed on behalf of insurance carriers when you apply for life insurance.

The best way to detox your system before the insurance test is to avoid any nicotine products for two weeks or more and in addition consume plenty of fluids fresh fruit juices drinking warm water with lemon in it and herbal teas with ginger and dandelion extracts. Detox your system before the life insurance nicotine test. If you are buying a life insurance policy that requires a health exam they will test for nicotine.

Smokeless Tobacco Life Insurance Questions Archives Smokeless