How Do Life Insurance Companies Test For Nicotine?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    The main way that life insurance companies test for nicotine is through the urine sample. Another way is through the blood sample. What they are checking for is actually a metabolite of nicotine called cotinine. Cotinine can be detected longer than nicotine can, and shows up in levels that are proportionate to the amount of tobacco used. That way underwriters can tell approximately how much the applicant smoked, or even if their exposure to nicotine was from secondhand smoke.
    Answered on August 27, 2013
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