Comments on: Life insurance exam: How long does it take tobacco/nicotine to leave system?

By: nicole s

nicole s — Sun, 08 Nov 2009 08:01:25 +0000

They Absolutely would not be able to tell that you had smoked. You are considered a non-smoker. Even if you were a somewhat regular smoker, they would not be able to prove this without extensive exams, which they do not do. Nicotine leaves the body completely within less than 24 hours.

By: annalyzedgourds

annalyzedgourds — Sun, 08 Nov 2009 08:01:25 +0000

You’ll be fine. Tobacco doesn’t show up in tests and there’s no way for anyone to tell if you are a smoker or not.

By: dcsteve2006

dcsteve2006 — Sun, 08 Nov 2009 08:01:25 +0000

I am a life insurance broker that compares almost all companies to guarantee the lowest price (insure.com). The fact is that when the paramedic companies complete the physical, they will look for a specific nicotine metabolite called cotinine. Cotinine can stay in your system for up to a month after smoking a cigarette. If it has been less then that, you should either postpone the exam, or purchase a no-exam plan.

By: Michael M

Michael M — Sun, 08 Nov 2009 08:01:20 +0000

Most life insurance companies will ask if you’ve used any kind of tobacco in the past X months (usually 12 months). If you explain to them when and why you smoked they make give you the non smoker rate or make you pay the smoker rate for a year, retake the nicotine test and then lower you down to the nonsmoker rate.

I would advise you not to cover it up because I’ll guarantee you that life insurance fraud is much worse than being branded a smoker. Pay the rate you can get now honestly and then after you’ve been nicotine free for another year then go back and apply for a cheaper rate. If you need the insurance you don’t want to wait because you never know what might happen to you in the next year.