Life insurance nicotine testing is testing performed on behalf of insurance carriers when you apply for life insurance. The insurer may require a medical exam that includes a urine sample or blood sample.
Your urine or blood is sent to a lab for testing. The testing will include checking for any use of tobacco products including cigarettes, cigars, pipe tobacco or marijuana.
The results will be reviewed by the underwriter reviewing your application for life insurance.
If you test positive for legal tobacco use you will be rated as a smoker for your life insurance.
If you test positive for marijuana you may be approved with a tobacco rate, or you may be declined for life insurance depending on the insurer’s position on insuring marijuana smokers.
Learn more about life insurance testing for nicotine.