How Long Does Cotinine Stay In Your System For Life Insurance Purposes?

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.

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