The byproduct of nicotine, called cotinine, can be detected in the bloodstream for up to three weeks or more. There are a few life insurance companies that allow presence of cotinine if you use cigars, nicotine gum, chewing tobacco or pipes. Otherwise, the presence of cotinine will rate you a smoker.
The byproduct of nicotine is cotinine which urine analysis tests for during a life insurance due diligence period for qualifying for coverage. It is possible to purge your system of cotinine residue after eights of nonsmoking. But be advised that the life insurance application specifically inquires on tobacco use at minimum, up to a year. Even if you beat the urine analysis and you are defrauding the insurance company by denying tobacco use, specifically cigarettes. I could but any death claim in peril, even denied as misrepresentation.
Life & Health Insurance Agent, The Tooker Agency, Riverhead NY
The only reason to try to avoid nicotine detection in your lab results is in order to pay a lower premium for your insurance than you actually qualify for. People buy life insurance in order to have the peace of mind that their loved ones will not face unnecessary financial burdens upon their death. By not being truthful on your life insurance application you potentially give the insurance company a basis to deny paying the claim on your policy. Given that possibility, you won't have peace of mind.
You should not try to avoid paying the proper premium for your life insurance unless you want to give the life insurance company a reason to avoid paying a claim.
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You should not try to avoid paying the proper premium for your life insurance unless you want to give the life insurance company a reason to avoid paying a claim.