Life Insurance Nicotine Test
When buying a life insurance policy, one of the main requirements that will determine the premium you need to pay is you have to undergo medical exams like the life insurance nicotine test.
In the United States, thousands of deaths are attributed to the use of nicotine which is found in cigarettes. This test is conducted to help insurance providers determine the number of premium individuals has to pay. There are specific lifestyle habits that insurance companies to assess the health risk of a person.
- Why is Life Insurance Nicotine Test So Important?
- Do All Life Insurance Companies Ask for Nicotine Test?
- How Long Does Nicotine Stay in Your System?
- How Long for Nicotine to Leave the System for Life Insurance?
- Types of Life Insurance Tobacco Test
- Can I Pass Life Insurance Nicotine Test If I’m a Smoker?
- Eating Habit that Helps Flush Out Nicotine from Your Body
- How to Pass a Nicotine Test for Life Insurance?
Why is Life Insurance Nicotine Test So Important?
Some may wonder why is it important to conduct nicotine test? Insurance providers actually based the premiums on the health risk of a person. A person who is smoking a lot has a higher chance of having certain diseases and illnesses. This translates to higher health care costs and in worst-case scenarios even death. Nicotine can increase the risk of a person having heart diseases and in some cases, it can also result in cancer which is a very expensive medical condition to treat.
To cushion the financial risk involved the person who is using nicotine, insurance providers tend to charge higher premiums.
Do All Life Insurance Companies Ask for Nicotine Test?
Not all insurance companies will ask for nicotine test. It all depends on the kind of insurance policy that you want to purchase. For instance, there are life insurance companies that do not require medical exams especially if you intend to get a guaranteed issue life insurance. This type of insurance is much more expensive compared to other types of life insurance policies.
How Long Does Nicotine Stay in Your System?
Nicotine which is comprised of about 40,000 chemicals is usually found in cigars, cigarettes, tobacco, etc. Nicotine can be quiet addictive. When a person inhales the smoke coming from tobacco, the body absorbs the nicotine through the lungs and it reaches the blood and the brain and just a matter of seconds.
Nicotine stays for about 15 to 20 days in urine. After the specific period, there will be no traces of nicotine found in your urine. In saliva, it can stay up to 4 days. Some may not even be aware of it but nicotine stays in hair for 1 to 3 months.
How Long for Nicotine to Leave the System for Life Insurance?
There are many factors that can influence how long nicotine stays in the system. One of which is the frequency of usage which is divided into three groups: light users, medium users, and heavy users. There are some people who only smoke once a week while there are others who smoke heavily on a daily basis.
You also have to factor in the differences among individuals like age, diet, hormones, and genes. In fact, the time of the day can also be one of the factors that you need to consider.
Types of Life Insurance Tobacco Test
There are three different types of nicotine test: hair, saliva, and urine. Among different types of test, hair test is considered to be the most sensitive and it is also the most expensive nicotine test. Nicotine stays in hair for several months which makes it a good indicator as to whether a person is smoking or not.
However, not all insurance companies can actually afford to shoulder the cost of conducting hair test. Most are more likely to use saliva or urine test. Between the two, the saliva test is much more sensitive which makes it one of the better option among insurance companies.
Can I Pass Life Insurance Nicotine Test If I’m a Smoker?
If you want to get a life insurance policy and you were smoking, you’re much better off if you are truly honest with your smoking habits or finally quit smoking. You wouldn’t want to experience any problem later on if you did not declare your current health condition and your lifestyle habits. That is why is much better than you declare you are smoking and be willing to pay a high premium.
Eating Habit that Helps Flush Out Nicotine from Your Body
There is only a specific of time where nicotine stays in the body and eventually, it fades over time. The good news is that there are ways for you to remove nicotine. There are actually certain types of vegetables and fruits that you can eat flush out the nicotine in the body. These foods contain antioxidants and vitamins that give that extra push to eliminate any contaminated in the body. One of those is broccoli which has high vitamin C content.
It is proven to remove nicotine from the body and it can also increase your immune system. Another food that can flush out nicotine in the body is kiwi which is high in vitamin C, vitamin A, and vitamin E.
How to Pass a Nicotine Test for Life Insurance?
The best way for you to pass a nicotine test needed for you to get a life insurance is to finally quit smoking. Although there are ways on how you can flush out nicotine and you also have the information on how long nicotine stays in the body, the best solution is to stop smoking.
You are doing this not just to pay lower premiums but also to improve your health. If you can quit smoking, you can have a healthier life and reduce health risks. If you really cannot quit smoking, it is much better, to be honest about it and declare it to the insurance company.