Nicotine usually stays in your system for 1-3 days. However, insurance companies test for a byproduct called Cotinine, which can be detected using a Cotinine test. A Cotinine test determines how much Cotinine is in your body.
|Type of Cotinine Test||Duration of Detection|
|Cotinine Urine Test||Up to 4 days|
|Cotinine Saliva Test||Up to 4 days|
|Cotinine Blood Test||Up to 10 days|
|Cotinine Hair Follicle Test||Up to 3 months|
However, many factors can impact how long Cotinine can be detected in one’s system, such as medication, tobacco or nicotine consumption, and pre-existing medical conditions.
Insurance companies consider vaping to be equivalent to smoking when assessing an applicant’s risk and determining their premiums. Lying about tobacco or nicotine usage on a life insurance application can cause the policy to be voided, leaving loved ones uninsured.
The best course of action is to work with a professional who is familiar with the underwriting guidelines of different life insurance companies to find the best coverage and rates.
- PolicyAdvisor. Tobacco And Life Insurance Explained
- Bankrate. How A Life Insurance Blood Test & Exam Affects Your Rates
- Investopedia. How Does Smoking And Vaping Affect A Life Insurance ...
- Policygenius. How Do Life Insurance Nicotine Tests Work?
- Policygenius. Nicotine And Cotinine Test