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 exam which will check your blood pressure, ask some health questions, and take a sample of you blood which is sent to a lab for testing.
The exam is paid for by the insurance carrier.
The insurer will check the results to find out if you have any nicotine in your system and use this information to determine how much to charge you for life insurance.
Some smokers who smoke on a regular basis may pay 2-3 times more for life insurance compared to non smokers.
Here's how you can learn more about
life insurance testing for nicotine and tobacco use.
