Every year, millions and millions of Americans decide they want to quit smoking. In fact, it’s one of the most common New Year’s resolutions made, but it’s also one of the most common New Year’s resolutions that are broken. Luckily, there are plenty of resources that you can use to help you quit smoking, and one of those is to use nicotine gum.
Nicotine gum is a great tool for anyone that has been struggling to quit smoking but just hasn’t been able to kick the habit once and for all. Inside of each piece of nicotine gum is around 2 or 4 mg of nicotine, which is about the same amount of nicotine that is in one or two cigarettes. When chewing the gum, the nicotine is absorbed into the blood stream and helps curb those cravings. While some users have admitted that they’ve gotten just as addicted to the gum, it’s much safer and healthier than the cigarette alternative, and easier to wean off of.
Because the gum has nicotine in it, there are a lot of questions about how it will impact a smokers life insurance application. Will the gum show up on the medical exam and will that cause you to get higher monthly premiums because of the nicotine?
Life insurance is one of the best purchases that you’ll ever make for the security of your loved ones. It’s one of the only ways that you can ensure that they have the money that they need, regardless of what happens to you. When you apply for coverage, the insurance company is going to determine how much of a risk you are to accept for life insurance, and they are going to account for dozens of different factors. It’s vital that you present as little risk as possible, which is going to give you the most affordable coverage possible.
Nicotine Gum and Life Insurance Medical Exam
Before the insurance company accepts your application, they’re going to require that you complete a medical exam. During the medical exam, they are going to take your blood pressure, heart rate, weight, and they are also going to take a urine sample and a blood sample. While there are looking for dozens of different health complications, they are mostly looking to see if there are any traces of nicotine in your system to determine if you’ve lied about being a smoker.
Because the nicotine gum contains a significant amount of nicotine in every piece, there is a good chance that it’s going to show up in the urine sample depending on how long it has been since you last chewed one of the pieces. If you have any traces of nicotine, the majority of insurance companies are going to automatically give you smoker’s rates for your life insurance plan.
The majority of applicants don’t understand why nicotine gum would increase your life insurance rates, you’re just trying to quit smoking, right? Besides, the gum is a lot healthier than the smoking alternatives, but any form of consistent nicotine has been shown to have severe consequences on health. In fact, it could increase your risk of being diagnosed with heart disease, which means you’ll be a much greater risk to the insurance company.
How Long can the Insurance Company Detect Nicotine Gum?
When you have to take the medical exam, there are several different ways that the insurance company could test for traces of nicotine in your body, each of them is different and has various levels of accuracy. The type of test that they use will determine how long you’ll need to avoid any nicotine gum to ensure that you get the lowest insurance rates available.
Technically, the insurance company is looking for cotinine, which is a substance that is produced as a byproduct of nicotine users. To be safe, you should be nicotine free for at least one month to ensure that you’re getting the best rates, but it’s wise to wait even longer than that if you want to be sure that you get non-smoker’s rate for your insurance plan. You can always request a re-examination after you purchase your medical exam.
Getting the Lowest Rates with Nicotine Gum
If you use nicotine gum, and you don’t plan on quitting, that doesn’t mean you have to pay outrageous premiums for your coverage, there are plenty of ways that you can secure lower insurance rates for your plan. Making some simple lifestyle changes can save you hundreds of dollars on your plan.
The first thing that you should do is start getting exercise because it can have a wonderful impact on your overall health and your bank account. Getting regular exercise is an excellent way to lose any extra weight, lower your blood pressure, and much more. All of these are going to translate into lower monthly premiums.
The next thing that you should do is stick to a healthy diet. Just like exercise, dieting is a great way to shed those extra pounds that you’ve been carrying around, as well as lower your cholesterol, and help reduce your risk of being diagnosed with health complications like diabetes. Choosing veggies instead of fries is an excellent way to get your premiums lower.
The best way to ensure that you’re getting the lowest rates is to work with an independent insurance agent, instead of a traditional agent. Independent agents represent dozens of companies across the nation, which means they can bring all of the best rates directly to you.
Each insurance company is going to view nicotine gum users differently, and you could get drastically different rates depending on the company that you choose. In fact, some companies could give you smokers rates, while others will offer you more affordable non-smokers rates, which could save you thousands of dollars on your insurance premiums.
Life insurance is the best safety net that you’ll ever purchase for your family. We know that finding the perfect plan can be a long and complicated process, but it doesn’t have to be, our agents can help you find the perfect plan to meet your needs. Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the life insurance protection that family deserves.