FAQs Smoker Term Life Insurance

FAQs Smoker term life insurance - information, tips and guidelines regarding insurance nicotine tests.

• How can I get life insurance without a nicotine test?
  
• Do life insurance companies test for smoking?
  
• How do insurers test for smoking?
  
• How long does tobacco stays in your system?
  
• Consideration for re-rate of your policy.
  
• What if I tell the insurer I don't smoke?
  
• How can I check to see if nicotine is in my system.
  
• How can I Save 50% on Smoker Life Insurance.

Question: How can I get life insurance without a Nicotine Test?
Answer: If you smoke, you do have options. Actually, there are a few companies that offer life insurance for smokers, but do not require you to take a medical exam. And, there's no nicotine test.

Question: Do Life Insurance Companies Really Check To See If You Smoke?
Answer: Yes they do check. Smoker Term Life insurance companies charge a higher rate for smokers because smoking increases your risk of health problems that increase your likelihood of dying at an earlier age.

Question: How does a life insurance company check to see if you smoke?
Answer: There are several ways a life insurance company can determine if you smoke.

• They ask you on the application if you smoke.
• They can request you take a blood test to check if there are any signs of tobacco use in your system.
• They can request you take a physical exam which can determine if there are signs of smoking.
• They can check with the Medical Information Bureau (MIB). The MIB keep files on people who have applied for life insurance with companies who are members of the MIB.

Question: How long do signs of tobacco use stay in your system?
Answer: Signs of tobacco use may stay in your system for up to a week or more; however, some doctors state that nicotine remains in the body for a day or two.

A 1988 Surgeon General's report stated that your body breaks down nicotine within 72 hours. Another medical report indicates that signs of nicotine leave your system within 14-48 hours. However, urine tests can detect nicotine in your system for up to 7 days. Nicotine can be extracted from the hair for up to several months after use.

Question: Will they ever consider a re-rate of my policy?
Answer: Yes they will. Some companies require you to be smoke-free for between 1-5 years in order to consider adjusting the rate on your life insurance policy.

Question: What happens if I tell the life insurance company I don't smoke, even though I am a smoker?
Answer: There are several things to consider in this situation.

• You should not misrepresent your smoking. If you do smoke then answer the questions truthfully.
  
  
• If you lie, you have intentionally misled a life insurance company. A life insurance policy is a legally binding contract and your application becomes a part of that contract. If you lie in the application it is unethical and fraudulent.
  
  
• If they determine you do smoke when you said you didn't they may reject to offer you life insurance coverage.
  
  
• If they determine you lied about smoking after the policy is in force they may cancel the policy subject to the "Contestability Clause". The Contestability Clause allows the insurance company to contest your coverage, usually within the first two years of the policy.
  
  
• If you die from a smoking related illness in the first 2 years of your policy, the life insurance company may contest the coverage. This may result in your beneficiaries receiving NO Death Benefits from your policy.

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