How Do Life Insurance Companies Test For Smoking?
0 POINTSContact Meview profileDavid RacichPROFountain Hills, ArizonaYes they do. The urine analysis test captures cotinine levels a byproduct of nicotine. Amazingly enough it doesn’t take many cigarettes to detect cotinine, so reducing or quitting cigarettes just before the test is futile. That being said, cigarette secession has benefits that many life insurance companies credited to the policy insured if they stop smoking.Answered on June 16, 2013+01+1 this answer
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63333 POINTSview profilePeggy MaceMost of the U.S.When applying for a policy that uses medical underwriting, most life insurance companies test for smoking through both a urine test and a blood test on samples collected during the life insurance exam. If you are purchasing a policy that does not require taking an exam, neither of these tests are done.Answered on June 17, 2013flag this answer
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