How long does tobacco show up on a life insurance exam?
I'm getting life insurance and I have to take a medical exam that checks for tobacco in your system. I am not a regular smoker but I did have a few cigars last week. I would hate to have to pay a smokers rate because I had a few cigars at a poker game.If you show up positive for tobacco in your shstem, you may be rated as a smoker by the life insurance company.It depends on the type of nicotine