Does Life Insurance Test Nicotine? 
Yes , a part of the testing is for nicotine in the system . Some carriers allow for different uses of nicotine products and do not cost as much for coverage as someone who smokes , but still cost more than non smoker rates . This topic is a hotbutton in insurance as the pricing for smoking is significantly greater than nonsmoker rates , the cost differences encourages some people to attempt to deceive on the application . Some states specifically `` waive '' the two year contestability clause in cases where mistatements about smoking are involved . In my state , they do n't even allow the insurance carrier to pay out the benefit at the smoker rate , just return the premiums . One good thing is if you do smoke and want to quit , you can depending on the company , get a nonsmoker rate after anywhere from 1 year to 3 years after quiting . If you decide to quit smoking , inform your doctor so there is a record on file of this decision and good luck . 