Life insurance companies can check for nicotine in several ways:
1. Ask about it on the application
2. Ask about it in a phone interview
3. Check medical records
4. Test urine samples
5. Test blood samples
Different types of policies and companies will use different methods to determine whether there is current and past tobacco use.
1. Ask about it on the application
2. Ask about it in a phone interview
3. Check medical records
4. Test urine samples
5. Test blood samples
Different types of policies and companies will use different methods to determine whether there is current and past tobacco use.