When you buy a life insurance policy as "no physical" do they check for nicotine only or no nicotine either?

My question has nothing to do with lying about whether or not you smoke, when applying for life insurance.

I am asking does NO PHYSICAL mean that a life insurance policy purchased as such, does or does not include nicotine testing.

Life insurance plans with no physical exam required, usually means there is no medical examination, no blood test, and no urine test.

So, that would mean there is no nicotine testing when you buy life insurance without a physical exam.

No exam life insurance plans usually cost more than life insurance requiring a physical, and the amount of life insurance available may be lower, for instance, limited to $250,000 or less.

Here's how you can get a free quote online to help you find the best price no physical exam for life insurance.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
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Disclosure: Compensated Affiliate