Life Insurance and Nicotine?

Will nicotine show up in my urine or blood if I stop smoking 3 days before my life insurance nicotine test?

Yes, the nicotine may show up for months after you quit smoking.

Always answer the life insurance application questions truthfully.

Lying on your application may result in a life insurance claim being denied if you die as a result smoking when you said you didn't smoke. This may be considered a material misrepresentation.

If your test does show up positive for nicotine, you will have your policy re-rated and the premiums will likely be higher than you have already been quoted.

Usually, nicotine will stay in your system for at least 30 days, but it depends on the test they are performing. Hair follicle testing may show positive results months after you quit.

There are term life insurance no exam policies that do not require a physical exam, blood or urine test.

You can learn more by reading this article on Insurance Nicotine Tests.

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