insurance nicotine

Just wondering how when you have a life insurance phyical how long nicotine can be detected in the blood.

i m pretty sure its 3 days.

2008-01-29 13:09:54 by stanr4

Regina Waldroup reports: No matter whether you smoke it, chew it, get it from a patch or take a drag from an electronic device or hookah pipe ...

I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?

The actual enzyme that is detected (by a blood test) that reveals the prescence of nicotine in the system is called cotinine and is detectable for between 7-10 days after the tobacco product was smoked.

The person makes a good point above in that the life insurance company will deny the claim if he is a smoker anyway so he would be paying non-smoker rates for nothing.

Additionally, tell your friend to have an ounce of personal integrity and refrain from cheating the company or more importantly, the policy holders like you and I whose premium rates are based on not having people defraud the insurer we deal with.

2008-04-17 09:08:38 by StraightBallin

Easy Convenient home or office collection
Great for Life Insurance Companies or Self Testing
Medical Doctor Reviewed test result

I have insurance but it doesn't cover the nicotine inhaler which I've had success in the past. Do you know about how much it would cost?

not sure but you can ask the doctor to prescibe one that is covered by the insurance; you can ask for a generic so the price will be much less; generics at Wal-Mart are about $4.00 so do some homeword and shop around so that you can get the best price; you just might have to pay out of your pocket.

2008-05-27 17:30:06 by Lindsay R

I went on line and purchased a detox kit. I haven't smoked for about 6 weeks. I have an exam scheduled for next week. Has anyone tried those detox kits? Do they really work? Or what do I have to do to make sure that nicotine is not in my system. I believe that I will have blood drawn and a urine test done that night.
The life insurance is obviously not for me I will be dead when it is collected and FYI I do not plan on smoking ever again... And have no plans on dieing anytime soon either. For a smoker it is more than double a non smoker rate. Again I vow to NEVER smoke again...

I agree completely with "domers." I know you're not planning to die -- no one does unless they commit suicide -- but if you die within the first two years of the policy, the insurer will probably find out from your personal physician that you used to be a smoker. If the application asks whether you have "ever" smoked, or if you've smoked within the past year or so, and you lie, the insurer WILL rescind the policy. Your beneficiary will receive nothing and the premiums paid will go to your estate.

Long after the cotinine (the by-product of nicotine) disappears from your blood and urine, the effects of your years of smoking does increase your mortality rate. A higher premium is fair, given what your body has gone through.

So don't chance it. Fess up to being an ex-smoker, pay the higher rate and after you're smoke-free for whatever period of time the company requires, ask for a premium reduction.

2006-10-10 16:59:07 by M&M

I am about to take a blood test for a term life insurance policy. I smoked a cigar about 10 days ago, and about 4 dips of snuff per week (for the past several months). Do they test for nicotine or some other chemical in tobacco to verify if I am a smoker or not? A friend of mine tested positive for smoking and he had smoked a cigar about two months previous...can they test that far back on a blood test???

Thanks

Here is some information for you about nicotine tests:

How does a life insurance company give you an insurance nicotine test for smoker insurance?

Usually the insurance nicotine test for smoker life insurance will consist of a licensed professional paramedical examiner sent to your home to ask you some questions, have you sign your statement, and either take a urine specimen or blood specimen that is sent to a testing laboratory.

The requirements will vary by insurance company depending on the amount of smoker life insurance you request.

Can you get away with not telling the truth on your insurance nicotine test if you smoke?

This is not the right thing to do, it is best to tell the truth on your insurance nicotine test. Although most evidence of nicotine or continine is excreted or removed from your system within 1-2 days (usually all signs are gone within 7 days except from your hair - they don't test your hair).

The life insurance company can access information from the MIB - Medical Information Bureau from all member companies. In addition they ask you on the application. The application becomes part of the life insurance policy which is a legally binding contract. If you lie on the application you have misled the insurer, and perhaps committed fraud.

What if the insurance company finds out you smoke?

If the insurance nicotine test comes back positive for smoking the smoker life insurance company can either reject your application, offer you a revised rate for smoking, and/or notify the Medical Information Bureau to keep on file.

2009-06-23 09:12:38 by Robert Albert