I've been looking into buying life insurance and I was wondering, when they do a cotinine test or any sort, would I pass?
I hear that it can stay in your system for up to 6 months but I also hear that if you stop smoking a week before you'll be fine. I don't know who to believe. Should I wait more time just to be safe?
Look, if you lie on your life insurance application about smoking in the past year, it can totally void your coverage.
So even if they don't "catch" your lie up front, if you die and they find nicotine in your nails or hair after you die, it can void your life insurance coverage. Why buy life insurance that won't pay out of if you die?
Here's how you can learn more about life insurance nicotine test and how it works.