When you buy a life insurance policy as "no physical" do they check for nicotine only or no nicotine either?
My question has nothing to do with lying about whether or not you smoke, when applying for life insurance. I am asking does NO PHYSICAL mean that a life insurance policy purchased as such, does or does not include nicotine testing.Life insurance plans with no physical exam required, usually means there is no medical examination, no blood test, and no urine test. So, that would mean there is no
