How Is Nicotine Tested For Life Insurance? 
When you take an exam for a life insurance policy , one of the common tests they conduct is a urine test . Each company tests for a set of markers -LRB- the exact markers may vary by carrier -RRB- , but each of them check for nicotine - the presence of nicotine indicates to the carrier the use of tobacco products . The type of tobacco product being used does matter though - a couple of carriers will offer a non-smoker rate -LRB- saving you thousands of dollars over the life of a policy , regardless of term or permanent insurance -RRB- if you only use cigars or chewing tobacco -LRB- some smokeless tobacco -RRB- , and not cigarettes . Prudential is known as somewhat of a `` go to '' company in the agent circles for people who only use the aforementioned types of tobacco . Cigarettes are considered smoker status across the board for underwriting purposes . Please note , when completing an application -LRB- even for a non-medical product -RRB- and falsify information -LRB- e.g. saying you do n't smoke and it 's discovered that you do -RRB- , the carrier can rescind the policy - it 's important to be honest with the carrier so you do n't run the risk of losing your coverage . Most carriers will require at least a 12 month period from the point of the last use of tobacco before considering non-smoker risk classes . Consult with an experienced broker before applying for coverage to discuss the benefit structure that will be most suitable for your needs - we can compare the rates from multiple carriers to see which will offer you the lowest rates for your medical history . Please feel free to contact me for further assistance . Thanks very much . 