I have a life insurance test coming up, but have not scheduled it yet, they test through your blood.
If you have smoked cigarettes recently, it may take as long as a few weeks for the nicotine to be completely out of your system.
Also, some life insurance companies may test your urine, blood or hair. Nicotine usually leaves the urine faster than the blood; however, nicotine may show up in your hair follicles longer than 4 weeks after you have quit smoking.
In addition, there are life insurance companies that do not require a physical examination or blood test in order to qualify for coverage.
In fact, some insurers offer up to $300,000 of life insurance without any exam or blood test.
Here's how you can learn more about life insurance blood tests and find out about life insurance with no exam or blood testing.