Urine Test for Nicotine for Life Insurance?

Does a urine test for life insurance coverage test for nicotine?

I am applying for life insurance and they are doing a urine test. What are they testing for?

Life insurance companies usually test your urine for nicotine, illegal drugs, protein levels, kidney disease, diabetes, high cholesterol, and other health problems.

One reason they give you the urine test is to determine of you have smoked recently. It doesn't necessarily mean they will deny you life insurance, but you will have to pay a higher premium since you are more likely to die earlier, if you lied on the application and said you don;t smoke, when you have smoked.

According to the American Lung Association, "nicotine disappears from your blood stream
and your urine within 72 hours after smoking your last cigarette."

However, according to Julie Possner, a paramedical examiner with Exam
& Profile Services in Wisconsin, "Cigarettes [nicotine] will show up
many days or even weeks after use in somebody's urine. It will
probably still show up if someone has refrained from smoking for a
short time prior to the exam."

Here's how to learn more about life insurance nicotine test and find out how you may want to prepare for the testing.

In addition, there are term life insurance no exam policies that require no physical exam, no blood test, and no urine test.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
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Disclosure: Compensated Affiliate

How long does tobacco show up on a life insurance exam?

I'm getting life insurance and I have to take a medical exam that checks for tobacco in your system.

I am not a regular smoker but I did have a few cigars last week. I would hate to have to pay a smokers rate because I had a few cigars at a poker game.

If you show up positive for tobacco in your shstem, you may be rated as a smoker by the life insurance company.

It depends on the type of nicotine testing used to detect tobacco usage. Nicotine testing for life insurance may take a few different forms.

If it's a typical blood test, any residues of cotinine should be gone in about ten days.

If the 'hair follicle' test is used, evidence of cotinine may remain in your hair until it is cut off.

Here's an article explaining Insurance Nicotine Testing and what to consider. In addition, there's information about life insurance with no exam required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

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.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.




Disclosure: Compensated Affiliate

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.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.