Tobacco In System For Life Insurance

Yes almost all the insurance companies will ask for the nicotine test. Cotinine shows up in your urine sample for much longer than nicotinewhile every person is different cotinine will leave your system in about 5 7 days.

Life Insurance With Marijuana Use Don T Pay High Rates

Life insurance companies are looking for is cotinine.

Tobacco in system for life insurance. Our guide to getting life insurance for tobacco users will help set you on the path to finding the best tobacco friendly companies offering the best pricing on life insurance for tobacco users. Will chewing tobacco show up on your life insurance nicotine test. For instance there are life insurance companies that do not require medical exams especially if you intend to get a guaranteed issue life insurance.

That said this definitely is an area where it pays to shop around. As it is always the case with life insurance policies your premium will be based on your unique situation. It all depends on the kind of insurance policy that you want to purchase.

Luckily if youre a chewing tobacco user that doesnt mean that your life insurance premiums have to break your bank every month. Will nicotine gum or the nicotine patch show up on your life insurance nicotine test. Chewing tobacco and life insurance costs.

And when we say massively we are talking in five digits over the course of your life. This is because each insurer charges smokers different rates for life insurance policies. Read more about chewing tobacco and life insurance.

First off do everything you can to get non tobacco rates. Do you or someone you love use tobacco and he or she needs life insurance. Chewing tobacco will show up on a life insurance drug test.

If you use tobacco products and purchase life insurance youll probably pay more for your policy than someone who doesnt. Chewing tobacco has a high amount of nicotine in it so if youre a regular or even occasional user you certainly have nicotine in your blood. Do all life insurance companies ask for nicotine test.

Keep in mind most life insurance companies have whats called a two year contestability period and can cancel your policy if they discover you falsified information on your application. Life insurance companies test for nicotine and chewing tobacco has a high amount of nicotine in it holding an average size dip in your mouth for 30 minutes gives you as much nicotine as smoking three cigarettes according to the national institute of dental and craniofacial research. For these reasons if you are paying the same rates as a smoker you are massively overpaying your life insurance.

Why you need an independent agent. If you are searching for life insurance and are a user of chewing tobacco it is best to operate through an independent life insurance agent who is knowledgeable on policies and different insurance companies. How does a tobacco chewer get the best life insurance premium possible.

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