Life Insurance testing for nicotine. How long does nicotine stay in your system?

December 23, 2013 by  
Filed under Common Questions

Question by M&M: Life Insurance testing for nicotine. How long does nicotine stay in your system?
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…

Best answer:

Answer by LISA M
if you smoke why dont you just tell them , it dont cost that much more if you smoke and if you lie and something happens to you then your insurance will probably be no good cause you lied . so just be honest.

Know better? Leave your own answer in the comments!


6 Responses to “Life Insurance testing for nicotine. How long does nicotine stay in your system?”
  1. bbumple says:

    Hopefully you test positive so you pay the appropriate premium and other healthy non-smokers don’t have to pay for the results of your smoking habit. Sorry to be so critical but I dont want to have to pay more for my insurance because you smoke.

  2. insuranceguytx says:

    You will probably test positive for nicotine. However, many insurance companies will lower your rates if you go back after one year tobacco free. If not you could always apply at a different company.

    Congratulations on kicking the habit and Good Luck.

  3. domers13 says:

    Can you spell F-R-A-U-D? Is it really worth the few extra dollars to lie and possibly have the insurance voided when it is needed the most? Tell the truth, take the premium hit for the first year, and then apply for better rates if you truly haven’t smoked for a year (most companies will allow you to do this).

  4. Suzanne says:

    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.

  5. Hadley says:

    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.

    There is another option you have – Life insurance with no medical exam and no blood test. You can request a quote and answer a few health questions to find out if you qualify for coverage at

    I hope that helps.

  6. wolfkin77 says:

    haha, youve been fooled. the test administered to you (usually an oral swab test) only tests for enzymes produces (and/or killed) through the smoking process. it doesnt test for “tobacco”. btw, the test also looks for hardcore narcotics and HIV.

Speak Your Mind

Tell us what you're thinking...
and oh, if you want a pic to show with your comment, go get a gravatar!