Comments on: Life Insurance for Smokers vs. Non-Smokers

By: Arnab Mukherjee

Arnab Mukherjee — Fri, 26 Oct 2018 14:28:56 +0000

Hi There,

Would be glad to consult with you folks on the right life insurance plan for me.

571.524.8519.

Thanks,

Arnab

By: scott

scott — Mon, 27 Mar 2017 00:30:48 +0000

insurance is a must just sad it cost so much you pay and pay when you make a claim denied and they never want to refund when they deny a claim

By: My Financial Independence Journey

My Financial Independence Journey — Mon, 15 Apr 2013 23:50:40 +0000

The tests they use to see if you’re smoking detect a compound called cotinine, which is a metabolite of nicotine. So if you’ve consumed anything with nicotine (cigarettes, cigars, chewing tobacco, etc), it will be detected. Cotinine sticks around in your body for a while so you’d have to go cold turkey for a couple of weeks if you wanted to cheat the system.

Also, if you take nicotine gum or use the nicotine patch, you can expect positive tests. So you should be honest about this when filling out your life insurance forms.

By: krantcents

krantcents — Mon, 15 Apr 2013 18:02:10 +0000

I never smoked although I tried once. Smoking will do more than just get you a higher insurance rate! It will affect your health and ultimately shorten your life.

By: David

David — Mon, 15 Apr 2013 13:57:47 +0000

In college I used to smoke, however once I graduated and was accepted at my first job, I needed to pass a drug test. I originally thought that they were only testing me for drugs but my company was also testing for tobacco use for health insurance reasons. It took a few months but for 5 years, I have been tobacco free!