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	<title>New answer on: How Long Does Tobacco Stay In Your Blood For Life Insurance?</title>

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		<title>By: Jim Winkler</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-tobacco-stay-in-your-blood-for-life-insurance</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Wed, 21 May 2014 03:04:52 +0000</pubDate>

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		<description><![CDATA[That is a great question! If you are asking because you are trying to get a cheaper rate, I&#039;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&#039;ve quit and are clean, revise your policy and get the cheaper rate. It&#039;s a much better way to do it. Thank you for asking!]]></description>

		

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		<title>By: Peggy Mace</title>

		<link>https://insurancelibrary.com/life-insurance/how-long-does-tobacco-stay-in-your-blood-for-life-insurance</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Wed, 05 Feb 2014 17:01:22 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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