How Is Nicotine Tested For Life Insurance? 
It depends upon how much the face amount you are applying for and the underwriting method used for application . The are 3 basic ways nicotine is tested . All are collected by a paramed examiner or independent nurse who meets you to collect samples and health information . 1 -RRB- Mouth swab used for lower face amounts 2 -RRB- Urine test which is used for moderate face amounts or younger applicants . 3 -RRB- Blood test which is used for larger face amounts and older applicants Nicotine will show up in these tests for a few months . It is usually required in order to receive the non nicotine rate you must not have used tobacco , gum or patches for one year . The savings in premiums is substantial for non tobacco . 