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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What is the Effect of Nicotine Use on Your Life Insurance Premiums?

How does using nicotine products effect my cost of life insurance?

Using nicotine will have a costly effect on what you pay for life insurance.

Actually, life insurance premiums for regular smokers are usually 2-3 times higher than they are for non-smokers.

That's why it's a good idea to compare prices for smokers life insurance among several companies before choosing a plan.

And, there are insurance carriers which specialize in insuring smokers for life insurance. They have more experience in insuring smokers and are better able to offer more competitive rates based on different categories of nicotine use, such as, occasional smokers, regular smokers, heavy smokers, and cigar smokers.

By offering more categories of rates for life insurance, some insurers are able to be more competitive, and offer lower life insurance rates to smokers based on their actual nicotine use.

Here's how to learn more about term life insurance for smokers and better understand your options for coverage.

Or, you can request your free, instant term life insurance quotes form over 70 top-rated life insurers offering you savings up to 50% or more.

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