So why is it then, that when you are applying for life insurance and you tell them that you have
quit smoking, they will wait exactly one year, come back, and do a mouth swab to see if you have indeed quit smoking for that full one year?
Hubby just applied and two different companies sent nurses over. Both nurses told us that up until one full year has passed since your quit date, the swabs they use will detect nicotine. If they find nicotine at that point you will have to pay a higher rate.