FAQ

How long does nicotine stay in blood life insurance

If you’re a current (or former) smoker, you may be wondering how long nicotine stays in your system. especially if you’re thinking of buying a life insurance policy because often the amount of nicotine in your system can be used to determine what type of “rate” a person might qualify for.

for this reason…

Reading: How long does nicotine stay in blood life insurance

We wanted to take a moment and discuss some of the most common questions we get from people who use tobacco or nicotine products when applying for a whole life or traditional term life insurance policy.

Questions to be addressed will include:

  • How long does nicotine typically “stay” in a person’s system?
  • In addition to testing, how can life insurance companies determine if someone is using tobacco or nicotine?
  • What if someone lies on their life insurance application?
  • So, without further ado, let’s dive in!

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    How long does nicotine typically “stay” in a person’s system?

    The short answer: Nicotine usually stays in your system (ie, your blood) for 1 to 3 days. however, insurance companies will not look for “nicotine” in your system when they test it. instead, they will seek out a natural “by-product” produced by the body as it metabolizes nicotine. a byproduct called cotinine that will be detected by a cotinine test.

    what is a cotinine test?

    A cotinine test determines how much cotinine is in your body. the most common is a urine cotinine test, which can detect nicotine use for up to 4 days. Other types of cotinine tests may include saliva tests, which will be able to detect cotinine for up to 4 days, blood tests for up to 10 days, and hair follicle tests for up to 3 months (in most cases).

    We must take into account…

    however, there are a variety of factors that can come into play, which could shorten or increase the amount of time cotinine can be detected in the system, so this should always be taken into account.

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    For example, certain medications can affect how quickly the body can metabolize nicotine. Common medication includes many types of antibiotics that can help your body process nicotine faster. That doesn’t mean you should go out and get a prescription for antibiotics just to cleanse your body of nicotine, it just means there are a variety of different factors that can determine how long nicotine can last in the body.

    reversely…

    Certain antifungals and some high blood pressure medications can slow the metabolism of nicotine. these are just things to be aware of so you can gauge how quickly nicotine will pass through your body and whether your nicotine test will be positive or negative after a certain duration.

    See also: How long will insurance pay for a rental car

    We should also note that it is safe to assume that the amount of tobacco or nicotine you consume will also play a role in determining how long you will have residual levels of cotinine in your system.

    That’s why…

    It’s fairly safe to assume that if you’ve only smoked one cigarette in your life, it will probably pass through your system in a substantially shorter period of time than if you smoked a pack a day for the last 15 years.

    so much so, that some people may have so much nicotine stored within their body that it may still be detectable at some level for up to six months!

    Which leads us to….

    An important point for any tobacco or nicotine user to understand is that detectable levels in your blood or urine sample are not the only way a life insurance company will determine if you are a current tobacco user.

    That’s why even if you decide to apply for a life insurance policy without a medical exam and state that you don’t use any type of tobacco or nicotine products, there are several “other” ways an insurance company could find out that you are! you do!

    In addition to testing, most life insurance companies will have a variety of other methods they can use to determine who is and who is not a tobacco user.

    other methods like:

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