How Long Does Tobacco Stay In Your Blood For Life Insurance?
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63333 POINTSview profilePeggy MaceMost of the U.S.Tobacco in the blood is indicated by a metabolite of nicotine called cotinine. Cotinine can be detected in a life insurance blood test for several weeks after smoking a cigarette, chewing nicotine gum, using chewing tobacco, etc. The test for cotinine is also sensitive enough that it nearly always detects actual tobacco use, rather than second hand smoke.Answered on February 5, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! If you are asking because you are trying to get a cheaper rate, I'd advise you not to try, though. If, God forbid, you die as a result of a smoking related illness, and it states that in your death certificate, and you were listed as a non smoker, you can bet your last dollar that your beneficiary will have a hard time collecting. If the company suspects that you were fraudulent on your application, rest assured they will not be happy. Please just sign it as smoking, then after you've quit and are clean, revise your policy and get the cheaper rate. It's a much better way to do it. Thank you for asking!Answered on May 21, 2014flag this answer
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