The life expectancy of a smoker is about ten years less than a non-smoker on average. This stark finding was published in the British Medical Journal a couple of decades ago. Over time different clinical research has proven that smoking can cause a number of health issues like heart disease, lung cancer, COPD and more. That is precisely why health insurance and life insurance companies make it a purpose of controlling a high premium for people that are verified as smokers.
Nicotine testing is used by insurance companies to check if the claims made in the application form are correct
Therefore smoking testing is ultimately a part of the medical screening procedure that’s conducted to finalize the premium which will be billed. The bonus that a non-smoker can expect to pay for a life insurance policy or a health program is significantly lower than the amount that a smoker will have to pay for. Even though a tobacco test could be carried out by using a blood sample, a urine sample or a saliva sample, the one trial that could detect nicotine in the system with the most extended detection interval is your baldness test. The issue is that a hair follicle test for smoking testing is rather expensive and therefore isn’t feasible for testing all those who apply for a life insurance plan for medical insurance coverage.
Frequently, financial institutions which sell life insurance and health plans use a urine test to determine whether the candidate is a smoker or not
This is necessarily a cotinine evaluation that decides the level of cotinine, a by-product of nicotine being processed within the human body. A cotinine evaluation can detect up smoking to 4 times after use in the body. If you’ve had a casual cigarette and would like to make specific a nicotine test does not give away you resulting in a higher premium, you need to think about checking your smoking levels at home before you agree for a medical evaluation.
A home nicotine test can ensure that you are totally clean and prepared for the test
Most home cigarette testing calls for a little sample of urine and takes less than five minutes for results to emerge. The home test is based on the standard cut off the amount of 200 ng/ml. The tobacco evaluation conducted in the home is not so expensive and therefore can be used without the feeling the pinch of shedding a lot of money. In any case, the reduction which you can anticipate in the premium will more than just that the total spent in your home nicotine test.
The product can discover any kind of tobacco and may be used to find pipe tobacco, cigars, cigarettes and even smokeless tobacco
So if you honestly wish to come out clean during the medical checkup arranged by insurance companies, take the home nicotine test to ensure that the nicotine has actually run from this machine and that your efforts to stop will indeed be rewarded. Although we certainly would not suggest lying to insurance companies in your application, there is no explanation as to why you should believe that you are doing something wrong or have charged a higher premium if you’re a casual smoker. An insurance company might attempt to squeeze a greater incentive from you even if you smoke one cigarette in a year. Avoid coincidences at which the medical test date coincides with a cigarette which you may have smoked with nicotine testing in your home.
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