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.
Learn more about nicotine testing for life insurance.