What is an Insurance Nicotine Test?

Do life insurance companies make you take an insurance nicotine test when you apply for life insurance?

All life insurance applications ask you if you smoke. It is important to be honest and tell the truth when applying for life insurance.

Insurance nicotine tests are used to determine if you have nicotine in your system, if so, you may be considered a smoker for life insurance purposes and be charged a higher life insurance rate.

Why? Because, if you say you don;t smoke on a life insurance application when you do, then you die within 2 years as a result of a smoking illness, the insurer may deny the claim on your life insurance policy.

However, if you don't smoke, and buy life insurance, then you start smoking after you purchase the coverage, it's okay.

Yes, life insurance companies do request a nicotine test on applicants for life insurance coverage, depending on your age and the amount of life insurance requested.

Usually you will be required to take a medical exam, blood and urine tests, depending on the insurer, and amount of life insurance coverage.

Insurance nicotine tests may be used by taking a sample of your urine, blood, or hair follicles. Nicotine can usually stay longer in a hair follicle than it does in your blood or urine.

Learn more about Insurance Nicotine Tests and how they work.

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