I have a insurance blood test- how can I rid nicotine?

[jiffy87]

I have an upcoming blood test for life insurance. I am not a heavy smoker ( approx. 8-10  cigarettes weekly) How do I rid the nicotine from my system??? I just smoked 3 today???

[Edrobodean]

Can drinking alot of water help pass the test

[clean_in_ks]

LOTS of variables within each of the different insurance companies.
Personal experience from our household.....my hubby was a "pipe" smoker at the time he needed to re-apply for life insurance.  They DID blood test him and based upon the nicotine level in his blood, had to decide at what rate he would qualify for.  As it turned out, he didn't smoke his pipe AT ALL the day before the test..... and  based on his blood work, he WAS approved for the lower rate.
He is now totally nicotine free for 3 yrs.....so this post was a good reminder for us to get back with them and have them review the rate. So ty for that! LOL

Another thing insurance companies are doing now besides offering a lot of varied choices within each company.....is using hair follicle tests versus the blood tests.  More accuracy and that particular test shows better history that can be valid.  Hours of abstinence vs. longer term abstinence can more accurately be determined w/hair follicle testing.

That answer may not have helped you a whit.....ha....sorry...but you DID
help us....cause we have forgotten to go back to the ins. company since he quit smoking his pipe!  LOL

Hope that helps.....cause you helped me for sure LOL  Maybe even saved us some $ with your post :)

[nursegirl6572]

It's NEVER good to be deceitful on something like an insurance application.  If they find out you were not being truthful, it will void your whole policy (read the fine print).  While you will certainly pay more as a smoker, it's best to just be honest.

Also, most insurance companies now offer different plans where if you become a non-smoker, they will adjust your rates.  I know with mine, I would have to be smoke free for 12 months before they would adjust my rates.  They often will offer incentives as well, like discounts on smoking cessation programs.

Don't lie...the price is too high, it would be a real bummer to have your entire policy voided over that.  

[poohbear207]

I am due to take a blood test on monday for a life insurance policy. I told them i stopped smoking a month and a half ago but have not done so i plan on stopping tomorrow will the nicotine be 100% out of my system by than?

[danielletaggart26]

Hi I am just applying for life insurance and I was a smoker and then I quit cold turkey for 4 years, since then my youngest boy was diagnosed with autism and things were hard.I started smoking again and I have just recently 3 days ago quit yet again. How long do I have to wait to take the blood test for my insurance before the nicotine will not show up?
thanks DT

[carpetdude08066264]

I'm so glad to have read this as I quit 22 days ago and am going to try and have my health insurance premiums reduced.
THANKS!