Yes, most life insurance companies test you for tobacco use when you lay for life insurance.

However, it depends on the amount of life insurance you request and your age and health.

For instance, some insurers may not require a nocturne test for someone only buying a $10,000 life insurance policy.

However, if you need more than $25,000 of life insurance there may be a nicotine test required.

How does it work?

The life insurance company has an examiner come to your home and give you a paramedical e...
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