First, do all smoker existence insurance companies require insurance nicotine tests for smoking?
This depends on the smoker insurance company guidelines, the limits of go insurance you select and your reply to questions on the life insurance application. Each enthusiasm insurer has their own positions on insurance nicotine tests, but be prepared to provide urine or blood if requested. This is a standard requirement considering the discount on rates for non-smokers. On average smokers pay envelope up to 3 times as much for their life insurance as non-smokers.
