I went on line and purchased a detox kit. I haven't smoked for about 6 weeks. I have an exam scheduled for next week. Has anyone tried those detox kits? Do they really work? Or what do I have to do to make sure that nicotine is not in my system. I believe that I will have blood drawn and a urine test done that night.
2006-10-10 12:59:07 · 9 answers · asked by M&M 1 in Business & Finance ➔ Insurance
The life insurance is obviously not for me I will be dead when it is collected and FYI I do not plan on smoking ever again... And have no plans on dieing anytime soon either. For a smoker it is more than double a non smoker rate. Again I vow to NEVER smoke again...
2006-10-10 14:08:41 · update #1
I agree completely with "domers." I know you're not planning to die -- no one does unless they commit suicide -- but if you die within the first two years of the policy, the insurer will probably find out from your personal physician that you used to be a smoker. If the application asks whether you have "ever" smoked, or if you've smoked within the past year or so, and you lie, the insurer WILL rescind the policy. Your beneficiary will receive nothing and the premiums paid will go to your estate.
Long after the cotinine (the by-product of nicotine) disappears from your blood and urine, the effects of your years of smoking does increase your mortality rate. A higher premium is fair, given what your body has gone through.
So don't chance it. Fess up to being an ex-smoker, pay the higher rate and after you're smoke-free for whatever period of time the company requires, ask for a premium reduction.
2006-10-11 02:54:53 · answer #1 · answered by Suzanne: YPA 7 · 3⤊ 1⤋
Here is some information for you about nicotine tests:
How does a life insurance company give you an insurance nicotine test for smoker insurance?
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.
The requirements will vary by insurance company depending on the amount of smoker life insurance you request.
Can you get away with not telling the truth on your insurance nicotine test if you smoke?
This is not the right thing to do, it is best to tell the truth on your insurance nicotine test. Although most evidence of nicotine or continine is excreted or removed from your system within 1-2 days (usually all signs are gone within 7 days except from your hair - they don't test your hair).
The life insurance company can access information from the MIB - Medical Information Bureau from all member companies. In addition they ask you on the application. The application becomes part of the life insurance policy which is a legally binding contract. If you lie on the application you have misled the insurer, and perhaps committed fraud.
What if the insurance company finds out you smoke?
If the insurance nicotine test comes back positive for smoking the smoker life insurance company can either reject your application, offer you a revised rate for smoking, and/or notify the Medical Information Bureau to keep on file.
There is another option you have - Life insurance with no medical exam and no blood test. You can request a quote and answer a few health questions to find out if you qualify for coverage at http://www.rbcexpressterm.com/partners/default.asp?p=2041&promotioncode=FOIQA-TL-777
I hope that helps.
2006-10-11 04:00:00 · answer #2 · answered by Anonymous · 3⤊ 1⤋
This Site Might Help You.
RE:
Life Insurance testing for nicotine. How long does nicotine stay in your system?
I went on line and purchased a detox kit. I haven't smoked for about 6 weeks. I have an exam scheduled for next week. Has anyone tried those detox kits? Do they really work? Or what do I have to do to make sure that nicotine is not in my system. I believe that I will have blood drawn and a...
2015-08-10 21:47:28 · answer #3 · answered by Christiane 1 · 0⤊ 0⤋
You will probably test positive for nicotine. However, many insurance companies will lower your rates if you go back after one year tobacco free. If not you could always apply at a different company.
Congratulations on kicking the habit and Good Luck.
2006-10-10 15:18:41 · answer #4 · answered by insuranceguytx 5 · 1⤊ 1⤋
oh yes, I made the same experience with some insurance company; for a smoker it was more than double a non smoker rate. This seems ridiculous to me and since I stopped smoking years ago I looked and found great alternatives that fitted my needs http://smokers.life-insurance-check.com
Please use the search box in case the information you need are not displayed right away.
Take care and good luck with your research!
Tarsha
Life is beautiful
2014-05-02 23:29:35 · answer #5 · answered by Anonymous · 1⤊ 0⤋
If a company finds nicotine in your blood they will surely reduce your insurance. Better get a quote in diff cmpanies. https://tr.im/LifeInsurance is goood.
2016-01-24 16:37:26 · answer #6 · answered by ? 4 · 0⤊ 0⤋
Can you spell F-R-A-U-D? Is it really worth the few extra dollars to lie and possibly have the insurance voided when it is needed the most? Tell the truth, take the premium hit for the first year, and then apply for better rates if you truly haven't smoked for a year (most companies will allow you to do this).
2006-10-10 18:24:32 · answer #7 · answered by domers13 2 · 2⤊ 6⤋
haha, youve been fooled. the test administered to you (usually an oral swab test) only tests for enzymes produces (and/or killed) through the smoking process. it doesnt test for "tobacco". btw, the test also looks for hardcore narcotics and HIV.
2006-10-11 19:14:23 · answer #8 · answered by Anonymous · 2⤊ 2⤋
if you smoke why dont you just tell them , it dont cost that much more if you smoke and if you lie and something happens to you then your insurance will probably be no good cause you lied . so just be honest.
2006-10-10 13:26:11 · answer #9 · answered by BIGL 4 · 0⤊ 7⤋
Not sure about that
2016-08-08 16:54:37 · answer #10 · answered by ? 3 · 0⤊ 0⤋