Tobacco smoking
A community portal about Tobacco smoking with blogs, videos, and photos. According to Wikipedia.org: Tobacco smoking, often referred to as "smoking", is the act of burning the dried or cured leaves of the tobacco plant and inhaling the... [more]
A community portal about Tobacco smoking with blogs, videos, and photos. According to Wikipedia.org: Tobacco smoking, often referred to as "smoking", is the act of burning the dried or cured leaves of the tobacco plant and inhaling the smoke for pleasure or ritualistic purposes, or more commonly out of habit and to satisfy addiction. The practice was common among Native Americans of The Plains Indian religion, and was later introduced to the rest of the world by sailors following European exploration of the Americas.
Life Insurance Nicotine Test Results
Or will I just have to deal with higher rates for my life insurance the next three years?
Well, do you have any idea why your nicotine levels are that high if you don;t smoke?
Do you live with a heavy smoker, or someone who smokes at all?
Do you chew any form of tobacco?
Were you hanging out in a smokey bar the night before your life insurance medical exam?
There's not really a way to challenge the results of your nicotine test, except to pay to have it tested again, to see if the test results were off.
This is one situation where life insurance no medical exam may have resulted in a better rate possibly.
Although no exam rates are usually higher than non-medical rates, since you are a non-smoker you may have been offered better quotes for term life insurance with no exam required.
Insurance without any Medical Exam,
Just a Few Health Questions.
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