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ladyluck1122 | Medical exam for life insurance? |
how can i clean out my system of nicotine before the medical exam?? |
 |
 
aaron p
|
If you smoke less than a half pack of cigarettes a day, cigars, pipe, or chew or dip tobacco, you can test positive for nicotine and still get non-smoker rates with the right company.
If your habit causes you to lie on your application, commit insurance fraud, and toy with your beneficiaries' future during the contestability period, your addiction is in control of your life. If you can quit for 3 weeks, you might as well keep going. |
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nurse ratchet
|
Sorry, as a licensed agent I am not going to tell you how to cheat and lie to the system.
If you lie and die in the first 2 years, your life insurance is no good. This is a binding contract, and your "honest" answers form a part of the policy and contract. The company will return your premiums paid to your beneficiary in the event of death in the first 2 years of the policy, but that's all you will get.
Didn't your Mother teach you not to lie? |
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§ ☼ JLG ☼ §
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Nicotine can remain in your system for 12 months on average. It shows in your saliva, in your blood and your hair follicles. Some companies even have a type of Breathalyzer to test for nicotine. You can not get around it - and if you do find a way - pray no one finds out because the company will not have to pay if they discover that you lied, which will defeat the whole purpose of getting that life insurance. |
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acermill
 |
Quit smoking at least 90 days prior to the exam. Yes, they can detect it that long after you have had your last smoke. |
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pops
 |
stop smoking and stay away from second hand smoke for a few weeks
The Centers for Disease Control and Prevention's Office on Smoking says that there's such a small amount of cotinine present in your body after three days that it's either not detectable or attributed to second-hand smoke. Cotinine is a primary metabolite of nicotine and is the most common identifier for nicotine levels in the urine. Therefore, even heavy smokers who can abstain for three days could theoretically lie about their smoking and go undetected. |
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Zarnev
 |
Nicotine will be out of blood and urine about a month after you quit. I've heard of some "home remedies" which may or may not work to get it out sooner. Some insurance companies are now doing hair testing which keeps traces of nicotine for over a year. However, if the insurance company finds out you smoked within the timeframe that they ask about they will rescind the policy and not only will you be without that policy you possibly won't be able to get another policy. It's not worth the risk. |
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razonje
 |
You cant. It will show up no matter what. the only way is to quit smoking for about 3 weeks. Trust me, I sell life insurance. It WILL be found unless you go cold turkey for 3 weeks. |
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