August 6th, 2009 | 
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Robert Albert asked:
I am about to take a blood test for a term life insurance policy. I smoked a cigar about 10 days ago, and about 4 dips of snuff per week (for the past several months). Do they test for nicotine or some other chemical in tobacco to verify if I am a smoker or not? A friend of mine tested positive for smoking and he had smoked a cigar about two months previous…can they test that far back on a blood test???
I am about to take a blood test for a term life insurance policy. I smoked a cigar about 10 days ago, and about 4 dips of snuff per week (for the past several months). Do they test for nicotine or some other chemical in tobacco to verify if I am a smoker or not? A friend of mine tested positive for smoking and he had smoked a cigar about two months previous…can they test that far back on a blood test???
Thanks
Azalee Oursler
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Any form of tobacco use within a 12 month period is considered a tobacco user and you will be rated as a smoker. The blood test determines whether or not there is nicotine in your system. Snuff has nicotine. Nicotine is the cancer-causing agent that causes the individual to be at risk. Therefore, the insurance company has to rate him or her accordingly.
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