Life insurance is one of the most important safety nets that you can buy for the future of your loved ones. It’s one of the best ways that you can ensure that your family is going to have the money that they need, regardless of what happens to you.
When you apply for life insurance coverage, the company is going to require that you take a medical exam before they give you life insurance protection. During this medical exam, the company is going to get an overall picture of your health. Part of that is going to be testing for any nicotine or traces of tobacco.
If they find any tobacco during the test, you’re going to get smokers rates for your life insurance plan, which is going to cost you hundreds of dollars on your plan. Smokers or tobacco users are going to get much higher rates on their life insurance plan because their life expectancy is much shorter, which means you’re a great risk to the insurance company.
One of the most common questions that we get about life insurance for smokers is how are they going to test for the nicotine and how accurate are the tests. Each of the plans is going to have different sensitivity towards the tobacco traces.
Types Of Nicotine Tests
There are several different kinds of plans that the company could use, but the most common type of plan is a urine test. The urine test is the cheapest and easiest to use, which makes it one of the most popular choices among insurance companies.
The process for the test is incredibly straightforward and non-invasive like some of the other kinds of tests. All you have to do is simply pee in a cup, they will then take that and look for any traces of nicotine and cotinine. They aren’t the most accurate test depending on how long it has been since your last use of tobacco.
Another standard test that the insurance company will use is a blood test.
For this, they are going to take a blood sample and look for the traces of tobacco. Because these tests aren’t as simple and are more expensive for the company, they are much less common.
For these tests, they will be able to detect the traces for up to 10 days. There are a lot of different factors that can impact this number, though. For example, your diet, activity levels, and your age are all going to change how long those traces will stay in your blood stream.
One of the least common tests that they will use is a hair test. With this test, they are going to take a few strands of your hair, which can contain traces of tobacco for up to several months after your last use. This is one of the most accurate tests, but it’s also one of the most expensive.
Help Yourself, Lower Your Rates
If you’re listed as a smoker on your life insurance application, you can expect to pay much more for your coverage than a non-smoker is going to, but that doesn’t mean that it has to break your bank every month. There are several ways that you can get lower rates from the insurance company and still receive a quality insurance policy.
If you’ve already quit, and it’s been a year, ask your provider for a saliva test and see if they’ll drop your coverage right away. Sometimes, you don’t even have to change plans; they’ll drop your rate as soon as the results come in.
Your tobacco usage isn’t the only factor that the insurance company is going to be concerned with when you apply for life insurance. They are going to want an overall picture of your health. The better that your health is, the lower the insurance premiums.
There are several ways that you can improve your health, like starting a healthy diet and getting regular exercise. Both of these can help you lose weight, lower your blood pressure, lower your heart rate, and much more. All of these benefits are going to translate lower rates and keep more money in your pocket.
As we mentioned before, being listed as a tobacco user is going to cause your rates to increase drastically. If you want to get the most affordable life insurance plan, you’ll need to kick the habit once and for all.
It could save you thousands of dollars on your insurance plan. If you’ve been looking for additional incentive to quit, the money you’ll save should do it.
The best way to ensure that you’re getting the more affordable life insurance policy is to work with an independent insurance agent. Unlike a traditional insurance agent, our independent agents don’t work with one single company. Instead, we represent dozens of insurance companies across the nation.
We can bring all of the lowest insurance rates directly to you, without the hassle of calling dozens of companies yourself.
Life insurance is one of the best purchases that you’ll ever make for your loved ones. Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the insurance protection that your family deserves.
Not having life insurance is one of the worst mistakes that you could make for your loved ones. If you were to pass away, your family would be left with a massive amount of debts and final expenses.
If you have any questions about life insurance for smokers or about the different options for you, please contact one of our agents today, and we would be happy to answer those questions and ensure that you’re getting the most affordable life to meet your needs.
Our agents have years of experience working with smokers and tobacco users to get the most affordable plan. We can help walk you through the process and ensure that everything is handled correctly.