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Question for a life insurance agent. How do insurance

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Question for a life insurance agent . How do insurance companies check for nicotine blood test or urine
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Answered in 5 minutes by:
6/1/2017
Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 47,723
Experience: 30 years in civil, probate, real estate, elder law
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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.

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Customer reply replied 1 year ago
Thank you

It can be done several ways.They will test your blood, urine, or saliva (via a mouth swab) before approving your application and those tests will detect nicotine—or, more likely, cotinine—in your system if you've smoked or used other tobacco products within a certain timeframe.Apr 6, 2017

8 Things to Know About Tobacco Use and Life Insurance | QuoteWizard

So it can be a swab, blood , or urine testings depending on the insurance company but they will test here.

I appreciate the chance to help you today.Thanks again.

If you can positive rate 5 stars it is much appreciated.

Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 47,723
Experience: 30 years in civil, probate, real estate, elder law
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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