Life Insurance Nicotine Test – Pass & Get Best Package

If you are looking for life insurance you have to be ready to take a medical exam. One of them may be life insurance tobacco test.

Why is Life Insurance Nicotine Test So Important?

Life Insurance Nicotine TestSmoking is considered to be very bad for your health and it harms almost every organ in your body. It can cause many diseases such as lung cancer, heart diseases, and bronchitis that can make your life shorter. It should therefore come as no surprise that life insurance nicotine test is very important in order to qualify for life insurance. This test will show if you are a smoker or not. If you need life insurance you have to know that it is very hard to find the life insurance for smokers. It is also very difficult to find a cheap one. After being a smoker it can be a long road to remove that tag. The best way would be to pass life insurance nicotine test.

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Do All Life Insurance Companies Ask for Nicotine Test?

The answer is yes, almost every life insurance company asks for this test  in order to check if you are using tobacco products or not. There are many hospital and clinics where you can get this medical exam. It measures the level of the nicotine in your system and some of them can detect even minute quantities for up to the time when you used tobacco products. Request for free quotes & get the best rates for you.

Types of Life Insurance Tobacco Test

There are few types of life insurance tobacco test but not all of them are used that often. Some of them are the most accurate ones but expensive just like hair nicotine test. However, it is rarely performed. Others are more common like saliva test but it is also more sensitive which usually brings a lot of false positives. Sometimes urine test can be performed just to check the positive saliva test. The most common one is urine test and it is very reliable. It is also possible to level nicotine in blood test for life insurance but it is unusual and expensive.

Can I Pass Life Insurance Nicotine Test If I’m a Smoker?

If you are a smoker and you want to pass the test you will have to be ready to quit smoking for some time. It depends which type of test is used but ideally you should not smoke at least one month before the test. Nicotine stays in the hair for the longest period of time but hair test is expensive and that’s why it is rarely used. Saliva and urine test will not be able to detect nicotine level in your system after couple of weeks, but why would you risk it. The truth is that nicotine will probably be out of your system faster if you drink more water and vitamins, however, you can never be sure.

All in all, if you want to be sure that you will pass life insurance nicotine test the best way is to quit smoking at least one month before the test.