Question : For purposes of life insurance testing, how long is nicotine detectable in the system?
I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?
- asked by StraightBallin
All Answers:
Answer #1
about a year or so
- answered by auspicous_carrot
Answer #2
It's typically all out within 24-48 hours. But ifyour friend starts smoking again and his insurancecarrier finds out, they'll up his rates, drop himcompletely, or charge him with fraud for lying onhis application.
- answered by momma bear
Answer #3
It is possible for smokers to "cheat" the system,because nicotine clears out of your system within72 hours after smoking your last cigarette.Cotinine is the primary metabolite of nicotine,and the most common identifier of nicotine levels.If the urine test is given 72 hours after yourlast cigarette, the nicotine level may be lowenough to escape detection. This is theoreticallypossible for even the heaviest of smokers.
- answered by Tom Z
Answer #4
The actual enzyme that is detected (by a bloodtest) that reveals the prescence of nicotine inthe system is called cotinine and is detectablefor between 7-10 days after the tobacco productwas smoked.The person makes a good point above inthat the life insurance company will deny theclaim if he is a smoker anyway so he would bepaying non-smoker rates for nothing.Additionally,tell your friend to have an ounce of personalintegrity and refrain from cheating the company ormore importantly, the policy holders like you andI whose premium rates are based on not havingpeople defraud the insurer we deal with.
- answered by John A
Answer #5
In addition to the urine test, the life insuranceapplication will have a question such as "Have youused tobacco or nicotine products in the last 12months?"If you friend answers "No," he hascommitted fraud. If the insurance company findsout, they won't pay the claim and will just refundthe premiums he paid in. That defeats the purposeof having life insurance.Tell your friend to behonest in his dealings with insurance companiesand other businesses.*
- answered by insuranceguytx
Answer #6
He should apply now as a smoker, and then 12months from his last cigarette, re-apply fornon-smoker rates. This will keep him fromscrewing his family over what might seem like an"innocent lie."No doubt, he is applying for lifeinsurance because he doesn't know when he willdie. If he did, he might not need the insurance. If he applies as a non-smoker and dies during thecontestability period (2 years in most states),the company might deny the death claim if theyfind out he made a material misrepresentation onthe application.If he smoked a pipe or cigarinstead, there are companies that offer non-smokerrates.
- answered by aaron p
Answer #7
Well there are several almost right answersalready here, but here's the deal. Once you havelife insurance a company can not cancel you, evenif you said you had not smoked, and some how,although very difficult to prove, you did. Theycan not return the premium and not pay the deathbenefit, although they can charge back premiums atthe tabacco rate and deduct that amount from thepay out. Although once the policy has been inforce for two years, nothing can be adjusted. Andonce a company issues a policy they can not changeyour rates or cancel you, regardless of if youstart smoking, get cancer, etc. It's best to waitat leaste three weeks after quitting to gettested, however, if they are just doing a mouthswab test a week should be good.
- answered by Matt G
Answer #8
It will have to be a year, at least.
- answered by mbrcatz17
Answer #9
Maybe You should try to google it first,nonetheless, if you prefer some direct resource,here might behelpful.
http://lifeinsurance.online-helpers.info/globe-life-insurance-co.html
- answered by CHARLES G
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