When applying for life insurance how long must you stop smoking before taking their test? -
When applying for life insurance how long must you stop smoking before taking their test? -
After about 30 days you should be able to pass a blood and urine test. However, some companies are now starting to do a hair test. Nicotine stays in the hair follicles until it grows out and is cut off.Most companies will give you a non-smoker rate after quitting for 1 year. It-s not worth it to lie on your application because if you die the insurance company can rescind the policy if they find out.Well after 3 days the chemicals have left your body, and there is no trace of themDon-t try to lie about smoking. If you die within the the -contestable period- of the policy, and they find out that you smoked, they will reduce the benefit payable to that of one that would be purchased with your premium. Basically, your benefit will be reduced... ALOTgenerally one year. my insurance premiums were lowered when my doctor provided my insurance carrier with his certification that i had been a non-smoker for one year. but this may vary between different insurance carriers.one year. unless you tell them you smoke, and they give you a year to be smoke free. But your premium will still be higher till that yearA week is fine provided that you will be drinking sterelize milk everyday.please try this -a href=-http://www.anrdoezrs.net/click-174… target=-_top--help!-/a-
-img src=-http://www.lduhtrp.net/image-174819…
<< Home