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I believe that I will have blood drawn and a urine test done that night. . Usually the insurance nicotine test for smoker life insurance will consist .

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Jun 30, 2011 . County employees who agreed to take the test and did not have tobacco in their system qualify for insurance premiums that are $480 less than .

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Oct 28, 2011 . As a smoker you're going to pay higher rates than a non-smoker. Nicotine will show up in your life insurance blood test. What should you .

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Apr 3, 2012 . Describes when a nicotine or cotinine test might be ordered, how the . life insurance companies test applicants for nicotine or cotinine as well.

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Nicotine tests are also used for verifying that a person is a non-smoker, when applying for life insurance; non-smokers typically get lower premiums there as well.

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Apr 4, 2007 . And don't forget that the required urine test may reveal your smoking habit. Lie, die . Insurance companies are not the tobacco police, after all.

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Aug 3, 2010 . You may also be asked to appear for a urine test for nicotine by insurance companies, when you apply for an insurance policy. Nicotine usage .

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For high amounts of life insurance, such as $2,500,000 and up, treadmill . And the test even detects nicotine that is delivered through a transdermal patch.

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Dec 22, 2011 . When you're a smoker, there is such a wide range of insurance . However, applicants must generally test negative for nicotine when they are .

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