How Is Nicotine Tested For Life Insurance? 
Through a urine specimen . They are pretty reliable . Interestingly , I once had a client who admitted to smoking on the application , but tested negative for nicotine on the urine sample . He was approved at non-smoker rates ! People often ask if secondhand smoke shows up . The answer is yes , it can . If you inhabit a very smoky environment day in and day out , and your body has pretty much reached its saturation point for nicotine , it very well could show up on your test . This is important to know . Sometimes people ask , what if I dont admit to smoking on the application , and wait a while after my last cigarette so that I test negative ? Well , if the application asks you if you have smoked in the last 12 months and you say no , that is insurance fraud . If they audit your claim and find out you lied , they can deny the benefit even if you died for a reason unrelated to cigarettes . A word to the wise should be sufficient . 