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Smokers are penalized by the insurance industry because of their higher mortality rate. Possner of Exam & Profile Services says, "Cigarettes [nicotine] will show up many days or even weeks after use in somebody's urine. It will probably still show up if someone has refrained from smoking for a short time prior to the exam." If any nicotine does show up, you'll be considered a smoker. And the test even detects nicotine that is delivered through a transdermal patch. What if you're a cigar smoker? "You can have 12 cigars per year, but not one cigarette. If certain levels of nicotine show up in a cigar smoker, they will also be considered a smoker," explains Possner.
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How do you pass Pennsylvania life and health insurance test 1603?
study
How do you pass a swab test for tobacco usage?
Don't use tobacco beforehand.
Will marijuana show up on insurance tobacco test?
No...but if they're testing for tobacco, they probably also test for marijuana.
How do you get a health and life insurance license in the state of Georgia?
Contact the Georgia Department of Insurance. You must meet their requirements and pass a test.
Does smokeless tobacco show up in a swab test?
If they are LOOKING for tobacco, then yes... Most drug tests do not look for tobacco, unless it is for a specific reason... ex: health / life insurance....
Are their any tests to see if someone is using tobacco products?
Yes, insurance companies test for cigarette use before deciding to give you life insurance or to decide how high your premiums will be.
What causes false positive results for tobacco in urine tests?
I can NOT answer the question, but I am a victim: I have NOT used any tobacco products for over 18 months, but my life insurance urine test came back positive for nicotine, and THAT is because I am chewing NICORETTE GUM! The Life Insurance application asks if you are a TOBACCO user… It does NOT say anything about nicotine…They refused to lower my rates. Can anyone help?
Can chewing tobacco be detected in saliva?
Yes, through a nicotine saliva test. Many insurance companies will ask you to take this test to prove you don't smoke, or use smokeless tobacco.
How does the test affect life insurance?
My brother didn't get life insurance because the test revealed he had cancer. After a bone marrow transplant, he is Ok now. But the Physical test determines the insurance companies portion of the bet on your life.
How do you obtain an insurance license?
You take your state test and pass. Call the state Insurance Commission to find out test dates, places, and to get forms.
Does a car insurance specialist have to have a license?
Yes, all insurance agents must pass a state insurance license test, pass background checks, and other requirements to receive a license to sell any type of insurance.
What does life insurance test for?
because the life in every field is saved.e.g
