How Long Does Nicotine Stay In Your System Life Insurance

Wednesday, December 25, 2019

How to get ready. How long nicotine to stay in your system will depend on several factors.

How Long Does Nicotine Stay In Your System Faq

As a smoker you are probably aware that your lifestyle marks you as a higher risk to life insurance companies resulting in higher rates.

How long does nicotine stay in your system life insurance. When you buy life insurance you have to take a medical exam and that medical exam always tests not just for nicotine but for cotinine a byproduct of your body processing nicotine which stays in your blood even after the nicotine has left your system. To pass a life insurance test you need to prepare properly. More on that shortly.

Here you will find everything you need to know about how long nicotine can stay in your system how life insurance companies view nicotine and where you can find the best life insurance rates. Leaving nicotine from the body urine saliva or hair largely depends on diet. How long does nicotine stay in your system life insurance is a tool to reduce your risks.

In order to pass the medical exam as a non smoker it is important to know how long nicotine stay in your blood stream and how to get it out fast. As we have mentioned in our article that it may take a few weeks to lets say 3 4 weeks for nicotine to get flushed out of your body completely. If you are looking for life insurance in the market.

After we have a general idea on how long does nicotine stay in our body system and how the test work we should know that the most reliable way forward is to stop smoking at least two weeks before the test. If you are planning on quitting smoking anytime soon and want to pass a nicotine test for life insurance we recommend that you wait for a few weeks before you file the application. Let us remind you.

How does a life insurance company give you an insurance nicotine test for smoker insurance. Thats because the presence of nicotine in your system often affects your life insurance application since its an indicator of risk. But if you try to find the answers to questions like how long does nicotine stay in your blood or how long does nicotine stay in your urine beware that most testing doesnt even look for nicotine per se.

Usually the insurance nicotine test for smoker life insurance will consist of a licensed professional paramedical examiner sent to your home to ask you some questions have you sign your statement and either take a urine specimen or blood specimen that is sent to a testing laboratory. Depending on the chosen program you can partially or completely protect yourself from unforeseen expenses. Quitting your nicotine habit before applying for life insurance does not mean that youll pass a nicotine test.

Your ability to pass depends on many factors that include your health how long youve been smoking your smoking frequency and your overall diet. And if the accident insurance event occurs the insurance company will bear all or all of the costs in full or in part.

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