Life Insurance question

chachee52 · 03-09-2011, 07:37 PM

Ok, so since I got married and bought a house I thought that it might be good to look into life insurance. I spoke with an agent that I've known before and of course the smoking question comes up. Seeing that I knew the person I was honest and I smoke cigars, about 1 per month on average which I can honestly say is not a lie.
Here's the question: She mentioned that just as long as I don't admit to more than the 1x/month and that my urine analysis comes back negative for nicotine i'll be in the non-smokers.
So how long does nicotine stay in the system that it will be a positive in the urine test? I've never heard of this type of test, or are they just trying to get you to "admit" that you smoke more?

03-09-2011, 07:37 PM	#1
chachee52 Adjusting to the Life Join Date: Dec 2009 First Name: Todd Location: Tyngsboro, MA Posts: 399 Trading: (2)	Life Insurance question Ok, so since I got married and bought a house I thought that it might be good to look into life insurance. I spoke with an agent that I've known before and of course the smoking question comes up. Seeing that I knew the person I was honest and I smoke cigars, about 1 per month on average which I can honestly say is not a lie. Here's the question: She mentioned that just as long as I don't admit to more than the 1x/month and that my urine analysis comes back negative for nicotine i'll be in the non-smokers. So how long does nicotine stay in the system that it will be a positive in the urine test? I've never heard of this type of test, or are they just trying to get you to "admit" that you smoke more? __________________