Nicotine test for life insurance

Tobacco urine test is becoming increasingly necessary for insurance policies. The premiums are more and coverage levels are less for smokers than for those that does not smoke. Some of the term polices and whole policies become very costly for those that show up high levels of nicotine in a smoking test after conducting a blood test for nicotine.

A life insurance exam definitely will consist of cigarette blood test or blood nicotine test which will identify traces of nicotine, which could have added up in the blood through the course of smoking that could have taken place in the past 7 days. If the nicotine test for the insurance is going to turn to be positive companies can either reject the application or they might consider to revise the rates and offer a bit costly premium stressing that the insurance applicant is a high risk applicant or they might just put the file on hold to notify the Medical Information Bureau of the positive result.

There are several detox methods available to beat the blood nicotine test for one to qualify a no nicotine candidate to eventually get a normal insurance policy. However, there are many possibilities for the insured to get caught under penalty if at some point in time the insured develops some nicotine related diseases and need for claims. Though a blood nicotine test or cigarette blood test can be flushed for results; hair tests are liable to confirm smoking behavior even after years of quitting. So, anyone that is attempting detox to tamper with true results; might have to consider the ample dangers involved in such practices.

If an insurance company is going to figure out or suspect candidates, at a later point in time, about some faked reports, law permits them to take additional tests like hair tests for nicotine and blood tests for nicotine with due permission from the Department of Insurance of the State and with some legal warrants from the County court. If the suspected insured is proved to be guilty, chances are that the insurance might be cancelled and all the premiums paid will be non-refunded and in some cases the guilty applicant will also be penalized. One such negative mark is likely to make future insurance policies more difficult. Life without insurance can mean lot of expenditure and insecurity!

Try to quit smoking. Get to see how the levels of nicotine shoot up instantly after a small relapse during smoking cessation. Try smoking cessation counseling and frequently monitor your nicotine levels by using nicotine tests during the periods of withdrawal and relapse.

Call toll free 1-888-237-3445 or write to info@drugalcoholtest.com to know more about FDA approved ‘510K’ cleared nicotine test methods.