Urine test nicotine life insurance

Common Questions and Answers about Urine test nicotine life insurance

urine-test

Avatar n tn smoker at the time he needed to re-apply for life insurance. They DID blood test him and based upon the nicotine level in his blood, had to decide at what rate he would qualify for. As it turned out, he didn't smoke his pipe AT ALL the day before the test..... and based on his blood work, he WAS approved for the lower rate. He is now totally nicotine free for 3 yrs.....so this post was a good reminder for us to get back with them and have them review the rate. So ty for that!
Avatar n tn After this it cannot be detected in the blood or urine. However, the metabolite of nicotine which is known as Cotinine leaves its traces in blood as well as in urine for up to 7 days. Nicotine is a very highly addictive chemical that is the main component of cigarettes. Your body, especially your heart and lungs, will usually begin to heal at 12 hours after you've had your last cigarette/ stopped smoking.
Avatar m tn In November 2012 I had a one night stand with a 28 year old Japanese women while I was on Vacation. I do not know her status. The condom broke during sex and unprotected vaginal sex happened for about 5 minutes. I was scared so I waited for testing. I tested at exactly the 7 week point during a medical exam for a life insurance policy from American General. I don't know which test were done. The paper they gave said the would either test my blood or body fluids.
487969 tn?1249313291 I have a blood draw and urine sample tomorrow for my life insurance evaluation. Do I, or don't I take my thyroid medication? Also, I took my xanax for the neck swelling last night and will not do that tonight, but will it still show in tomorrow's urine sample? Do they even test that way?
Avatar n tn We are unable to respond to urine test questions.
Avatar n tn and the dr does a blood test and finds nicotine in the test...??? and they are actually trying - but using nicotine gum to try to ward off the cravings??? does the gum count against that person as well??? and what if a blood test was also required for insurance purposes??? would the gum affect anything??? if i'm not making much sense, i will clarify if someone wants / needs it...thanks for any assistance...
Avatar n tn Your entire body will test 100% nicotine-free and over 90% of all nicotine metabolites will now have passed from your body via your urine. You can also expect the symptoms of chemical withdrawal to have peaked in intensity. Your bronchial tubes are beginning to relax thus making it easier to breathe. Your lung capacity has also started to increase.
408795 tn?1324935675 Coincidentally, that's how I was diagnosed...through a renewal of a life insurance policy blood test in 2008. They declined my policy of $250k with a fixed premium for 10 years because of HCV, but they put me on another plan that increases every year. I had to drop from $250k to $100k in order to afford the premiums. Every February, the premium gets bumped up. And I believe after 2018, the premium will double to put it in the $200 a month range.
Avatar f tn only smoking when having a drink a couple of nights a week and applying for a Life Insurance Policy, should I declare that I an or am not a smoker ? I have given up completely recently but not in the last year. Firstly will they check up with my medical records that I tell the nurse I smoke about 20 a week or should I wait for a year to start up a life cover policy? (50% additional cost is alot for an ex-recreational smoker.) Would the policy become void if I have a car accident ?
Avatar m tn I have to get a life insurance policy on myself.....im a young 29yo.....ok heres my quest......they are gonna take blood and urine tests for ciggartettes and drugs..... will the vics be out of my system already? i am entering day 11.....should i wait longer to get the policy and testing?
Avatar f tn Will a nicotine metabolite urine test detect cocaine as well?
Avatar m tn However, I quit both almost two years ago. The only supplement is that I use a vape pen that contains nicotine. My issue is with sexual function. I was an extremely late bloomer when it came to being sexually active. I started at 28 (I know, I was truly waiting for the right one). Well the issue is that since that time I have always had severe difficulty getting and maintaining an erection.
Avatar n tn I smoke 2 or 3 cigarettes per day (not packs, individual cigarettes). For the first time, my health insurance require a blood test to determine if you're a smoker. Test date is a little less than a week away --- I didn't see this coming. Will my blood test be positive for smoking? If so, is there anything I can do about it now -- will lots of liquid help, etc.?
Avatar n tn Hi, I have made changes to my life insurance policy and they need to come do a physical and blood tests on me. I recentley came off of hydrocodone and am just concerned if it will be picked up on the test. How long does it take to not show up? If anyone has any insight to this its greatly appreciated. Thanks.
Avatar f tn The doctor was sympathetic, but said I need to submit to a urine analysis to detect for alcohol, nicotine, and marijuana before I can see a psychiatrist. During the exam, I reported no to using these substances, and alcohol, nicotine, and marijuana are all legal in my country. My other alternative, if I refuse, would be to self-refer to mental health which typically takes months. I’m just wondering if an outpatient/emergency doctor can really refuse treatment to me if I refuse a urine analysis.
380558 tn?1309042387 Has anyone here ever taken Chantix to quit smoking? I took my first pill this morning, scheduled to take the next tomorrow morning.. I was at work today and I was sooooo drained from being up all night (the little one kept me up! UGH!) and I couldn't really tell if anything was different about the 'smoking' habit or not.. I DID, however, notice that I wasn't getting diddly squat out of the cigarette.. like puffing on air.. (only had 6 today..
Avatar f tn U do not need insurance, when you are ready, lay em down. You have to be mentally ready to do this or will not succeed. In all fairness, how hard or easy it is going to be for you is why you smoke to begin with, do your friends smoke, do you smoke at work. does your significant other smoke? It does take a strong will and maybe if you do not succeed the first time, maybe the second. Do not beat yourself up, go to whyquit.com and read, when you are ready, do it.
Avatar n tn I have never heard of nicotine making you impotent. Nicotine has a short half life - about two hours. You can do the math from there.
Avatar f tn So i was wondering if and when should you get life insurance on your child? There are so many things that you are doing to prepare for your child but we never think about the bigger things like wills, life insurance....so let me know what y'all have done. Thank you for answering.
335728 tn?1331414412 A few years back I applied for Life Insurance. I was turned down due to having a pre-existing condition, "inactive" MS although that isn't the way they saw it! ha ha Just wondering if anyone here has been deemed ineligible for Life Insurance due to the diagnosis of MS even though MS has been deemed as non-life threatening?
Avatar f tn anyone ever been turned down for life insurance because of your eds? i have a mild form and never had any issues getting insured before. recently tried to update and tweak my coverage and every one i try refuses to write me due to the eds. 37 and otherwise completely healthy.
Avatar m tn I got tested for HIV for life insurance. What would happen if they detected the HIV virus?