How Does Life Insurance Check For Nicotine?

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   Peggy Mace

   Most of the U.S.

   Life insurance companies can check for nicotine in several ways:
   1. Ask about it on the application
   2. Ask about it in a phone interview
   3. Check medical records
   4. Test urine samples
   5. Test blood samples
   
   Different types of policies and companies will use different methods to determine whether there is current and past tobacco use. 

   Answered on July 13, 2013

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