Life Insurance For A Snuser

[Premium Parrots]

I thought most insurance cos used the cotinine blood test. Mine did. I never heard of them doing a CM test. But what do I know. I don't sell insurance and I'm not in the healthcare field.

[crullers]

NOW...all that being said. If someone were to say on their application that they were using NRT products, that could account for the nicotine in their system in the even that something catastrophic were to happen. You didn't hear that shit from me...LMAO. Companies are having a hard time with this one, and are forced to pay the claims regardless of cause of death.

I hate to revive an old thread, but I just got my annual phone call from my life insurance agent. I told him I have quit smoking and asked how that would affect my insurance rate. Basically, he told me that I have to be off nicotine for an entire year. I asked about those who have quit by using nicotine gum and if they have to be off that for an entire year to apply for a reduction in their premium. His answer was yes, users of nicotine gum have to be off the gum for a whole year before they qualify for any reduction in their premium. Apparently they do a mouth swab which can detect nicotine I guess.

Sounds like the insurance companies have us by the cojones. Definitely a scam.