Life insurance exam: How long does it take tobacco/nicotine to leave system?
I have a life insurance exam scheduled in the next few weeks. I had smoked some cigars and cigarettes during a bachelor party not long ago. Should I postpone the medical exam? I am not a smoker and want the non smoker lower premium. Above that I do not want to be flagged for being one.
They Absolutely would not be able to tell that you had smoked. You are considered a non-smoker. Even if you were a somewhat regular smoker, they would not be able to prove this without extensive exams, which they do not do. Nicotine leaves the body completely within less than 24 hours.
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