 What should i major in if i was thinking about a career in selling life insurance? |
| This is a new direction that I am going in and I need a little advise... I recently saw a job opening for an insurance company, it has great compensation, benefits, bonus', travel opportunity ... |
|
 What does proof of loss mean? |
| in regards to life insurance?... |
|
 Mortgage company unreasonable about homeowners insurance requirements.? |
I own a condo, and I asked my mortgage company how much condo insurance I am required to hold as a provision of my mortgage.
They stated that I must have enough to pay off the mortgage ... |
|
 Do auto insurance companies check your credit? |
| I want to purchase a house but I don't want my credit being touched while looking for insurance for my vehicle. Will an insurance company touch my credit?... |
|
 Is it worth it to purchase identity theft coverage on a home owner's policy? |
| I have had my credit card # stolen in the past and have never had a problem with having the charges forgiven. This is $40 extra a year on my premium. Does anyone see any meaningful value with ... |
|
 A tree on the boulevard just cracked in half and landed on my car parked in front of my home.? |
No big storm,tornado or lightning. just some wind and a little rain drizzle. The tree was not dead to our knowledge.
luckily nobody outside was hurt.
My question is- is the city any way ... |
|
 If my house happened to become damaged and a claim made with the insurance firm, could I carry out the work? |
| If I was a skilled builder with my own sole trading company, could I inherit the work and be 'effectively paid' by my insurer to fix my own property?... |
|
 Am I legally covered if my employer withholds money but doesn't pay insurance co? |
| I thought I signed up for the family dental plan at work 4 months ago. After my husband's dental claim was denied, I was told that I checked the wrong box (employee/child box) on my application. ... |
|
 Why do Some Insurance Companies rip you off on your claims? |
Additional Details
My home was destroyed in Aug 2005 and we lost 35 years possessions including a clock collection of some 550 clocks.We followed all the rules never claimed for ... |
|
 Will my auto insurance rate rise if someone on my policy gets in an accident? |
| If I add someone onto my auto insurance policy and that person gets in an accident, will my rate climb. If it does can I remove that person from my policy to keep my rate the same.... |
|
 Does anyone know of any affordable health insurance? |
| My husband and I pay $420.00 a month for both of us. His has a 250.00 deductible and mine is 1,500.00 deductible. We are both in our 40's with no health problems.... |
|
 What happens if you answer "no" to the question "Have you used nicotine in the past year"? |
| On a life insurance policy application but you really do. What would happen if you started smoking after it was in effect? Would the company not pay the beneficiary when you died? How would they know?... |
|
 Does medicaid cover for child daycare??? |
| im 18 & really dnt knnow anything!!helppp....is it expensive?... |
|
| I left 2 shopping bags in the parking garage..? |
and when I came back to get them a few minutes later they were taken.
What can I do? Does insurance cover my loss/theft?... |
|
|  |
StraightBallin | 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? |
 |
 
John A
 |
The actual enzyme that is detected (by a blood test) that reveals the prescence of nicotine in the system is called cotinine and is detectable for between 7-10 days after the tobacco product was smoked.
The person makes a good point above in that the life insurance company will deny the claim if he is a smoker anyway so he would be paying non-smoker rates for nothing.
Additionally, tell your friend to have an ounce of personal integrity and refrain from cheating the company or more importantly, the policy holders like you and I whose premium rates are based on not having people defraud the insurer we deal with. |
|
♥ Embracing Optical Freedom ♥
|
It's typically all out within 24-48 hours. But if your friend starts smoking again and his insurance carrier finds out, they'll up his rates, drop him completely, or charge him with fraud for lying on his application. |
|
Tom Z
 |
It is possible for smokers to "cheat" the system, because nicotine clears out of your system within 72 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 your last cigarette, the nicotine level may be low enough to escape detection. This is theoretically possible for even the heaviest of smokers. |
|
aaron p
|
He should apply now as a smoker, and then 12 months from his last cigarette, re-apply for non-smoker rates. This will keep him from screwing his family over what might seem like an "innocent lie."
No doubt, he is applying for life insurance because he doesn't know when he will die. If he did, he might not need the insurance.
If he applies as a non-smoker and dies during the contestability period (2 years in most states), the company might deny the death claim if they find out he made a material misrepresentation on the application.
If he smoked a pipe or cigar instead, there are companies that offer non-smoker rates. |
|
insuranceguytx
 |
In addition to the urine test, the life insurance application will have a question such as "Have you used tobacco or nicotine products in the last 12 months?"
If you friend answers "No," he has committed fraud. If the insurance company finds out, they won't pay the claim and will just refund the premiums he paid in. That defeats the purpose of having life insurance.
Tell your friend to be honest in his dealings with insurance companies and other businesses.
* |
|
Matt G
|
Well there are several almost right answers already here, but here's the deal. Once you have life insurance a company can not cancel you, even if you said you had not smoked, and some how, although very difficult to prove, you did. They can not return the premium and not pay the death benefit, although they can charge back premiums at the tabacco rate and deduct that amount from the pay out. Although once the policy has been in force for two years, nothing can be adjusted. And once a company issues a policy they can not change your rates or cancel you, regardless of if you start smoking, get cancer, etc. It's best to wait at leaste three weeks after quitting to get tested, however, if they are just doing a mouth swab test a week should be good. |
|
mbrcatz
 |
It will have to be a year, at least. |
|
robin_blackmoor
 |
about a year or so |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 15 minutes(s) ago
| | | |
9 | 31 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 7 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 4 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
