I have a life insurance heath screen test in 3 days. Will the tests be able to detect tobacco/nicotine/continine in my system still?
The Centers for Disease Control and Prevention's Office on Smoking says that there's such a small amount of cotinine present in your body after three days that it's either not detectable or attributed to second-hand smoke.
Continine is a primary metabolite of nicotine and is the most common identifier for nicotine levels in the urine. Therefore, even heavy smokers who can abstain for three days could, theoretically, go undetected.
However, another issue is that there will be a question about smoking on the life insurance application. They will ask you about how long you have been a smoker. Do you plan on lying to the life insurance company?
If you've smoked in 12 months, then you are a tobacco user and will pay tobacco rates for life insurance. Anything else would constitute lying on the application.
There are some plans that offer you the option of buying your life insurance policy online with no health exam, no urine test, no blood tests, and no tobacco testing. And, if you qualify, you may start your life insurance coverage the same day. Learn about term life insurance with no exam
Here's How to Buy up to $350,000 of Term Life Insurance Online without any Medical Exam, Just a Few Health Questions