Cotinine Urine Test Life Insurance

I really am quiting chewing tobacco. When applying for life insurance and in some cases health insurance certain lifestyle habits may end up costing you more each months in premiums.

Nicotine And The Life Insurance Medical Exam

Types of nicotine tests for life insurance.

Cotinine urine test life insurance. A lot of what the insurance company needs to know about your health they can learn from your medical records or an interview with you but conducting medical tests including a urine test gives them a full picture of your current health. There are many cheap reliable over the counter urine tests that can be taken in which a test strip is dipped into a urine sample for 5 to 10 minutes. This is essentially a cotinine test that determines the level of cotinine a by product of nicotine being processed in the body.

I do not know exactly when but fairly soon i will have either a blood or urine test for cotinine for my life insurance. I have a question about a life insurance urine test. Employers who provide health insurance as part of their benefits package may also charge more in premiums for smokers.

What life insurance companies use urine tests for. As mentioned before the life insurance nicotine test comes in three different forms hair saliva and urine. When an applicant applies for life insurance and provides a urine sample that sample is tested for cotinine at the laboratory.

However if the saliva or urine test is used then roughly two weeks would be reasonable. In many cases financial institutions that sell life insurance and health plans use a urine test to determine whether the applicant is a smoker or not. Cotinine is usually the test of choice to evaluate tobacco use or exposure to tobacco smoke because it is stable and is only produced when nicotine is metabolized.

Cotinine is used in place of nicotine because it is relatively easy to identify and is not as easy to flush from your system as nicotine. The strips will then read either positive or negative based on the presence of cotinine. Many of these at home urine tests are considered nearly 100 accurate and are fda approved.

I am dead if i do not pass. Cotinine is a substance that is associated with nicotine and used to detect if the person is a smoker. Cotinine urine test for life insurance.

One of these habits is smoking or other nicotine use. The life insurance nicotine tests are designed to detect even minute quantities for up to that time. I have not smoked an analog in at least five years.

I would like to start by saying that im not trying to fool the test. My last dip was saturday june 30th and i had slowed down for the week prior to that. Cotinine has a half life in the body of between 7 and 40 hours while nicotine has a half life of 1 to 4 hours.

Nicotine a highly abused highly toxic alkaloid found in tobacco products such as cigars cigarettes and chewing tobacco is metabolized into cotinine by the liver which is then excreted in the urine. I was a heavy vaporer for that time 16 or 24 2 4 times a day. For the past year i have been vaping three or four jak disposables a day.

The cotinine urine test for life insurance is the most common as the substance can be detected in this. Blood andor urine cotinine tests may be ordered along with nicotine.

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