The bottom line Will nicotine tests detect electronic cigarette use? Yes, when the device contains nicotine, a life insurance exam can identify that nicotine exposure through the blood, urine, or saliva testing used in traditional underwriting. The result becomes part of the information an underwriter reviews when classifying risk and setting a premium. Will nicotine … Read more

The bottom line Some carriers that treat edibles differently from smoking do exist, but most life insurers still classify any cannabis use as tobacco risk. Underwriters review your health, finances, and job to set your rate. Expect a medical exam and fluid tests before approval. Key facts Underwriters examine all application data to classify risk … Read more

The bottom line For carriers that distinguish replacement therapy from smoking, the practical answer is to ask how each insurer classifies nicotine replacement therapy, disclose every nicotine product, and keep your explanation consistent, because underwriting may use your health, finances, job, application data, and medical testing. Nicotine replacement therapy creates a specific underwriting question: how … Read more