How Long Can Nicotine Be Detected For Life Insurance? 
The byproduct of nicotine is cotinine which urine analysis tests for during a life insurance due diligence period for qualifying for coverage . It is possible to purge your system of cotinine residue after eights of nonsmoking . But be advised that the life insurance application specifically inquires on tobacco use at minimum , up to a year . Even if you beat the urine analysis and you are defrauding the insurance company by denying tobacco use , specifically cigarettes . I could but any death claim in peril , even denied as misrepresentation . 