Life Insurance Nicotine Test at Life

Life Insurance Nicotine Test. If you use nicotine replacement therapy to kick a tobacco habit, then you will still test positive. Do all life insurance companies ask for nicotine test?

But it's likely they will test your blood, urine, or saliva (via a mouth swab) before approving your application. The testing will include checking for any use of tobacco products including cigarettes. These tests determine your overall health and the risk of death.

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The higher life insurance premiums you’re charged as a smoker are the provider’s way of offsetting that risk. Life insurance nicotine testing is testing performed on behalf of insurance carriers when you apply for life insurance. Yes, almost all insurance companies will ask for the nicotine test. If you use nicotine replacement therapy to kick a tobacco habit, then you will still test positive.