1. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Yes they do. The urine analysis test captures cotinine levels a byproduct of nicotine. Amazingly enough it doesn’t take many cigarettes to detect cotinine, so reducing or quitting cigarettes just before the test is futile. That being said, cigarette secession has benefits that many life insurance companies credited to the policy insured if they stop smoking.
     
    Answered on June 16, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    When applying for a policy that uses medical underwriting, most life insurance companies test for smoking through both a urine test and a blood test on samples collected during the life insurance exam. If you are purchasing a policy that does not require taking an exam, neither of these tests are done.
    Answered on June 17, 2013
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