The life expectancy of a smoker is about 10 years less than a non-smoker typically. This stark finding has been published in the British Medical Journal a few years ago. With time various medical research has established that smoking can cause many health issues like heart disease, lung cancer, COPD and more. This is exactly why health insurance and life insurance coverage companies make it a point to charge a higher premium for those who are confirmed as people who smoke and. Simply click here to find out more about e-zigarette.
Nicotine testing is utilized by insurance providers to check if the claims made in the application form are correct or not. Thus nicotine testing is very much a part of the medical screening process that is conducted to finalize the premium that shall be charged. The high quality that a non-smoker can expect to pay for a life insurance strategy or a health plan is significantly lower than the amount that a smoker will need to spend.
While a tobacco test can be carried out simply by using a blood sample, a urine sample or perhaps a saliva sample, the main one test that can detect nicotine in the system with the longest detection period is the hair drug test. The issue is that a hair follicle test for nicotine testing is fairly expensive and for that reason is just not feasible for testing all those who obtain a life insurance coverage plan or for medical insurance.
Oftentimes, banking institutions that sell life insurance and health plans use a urine test to determine if the applicant is a smoker or not. This is essentially a cotinine test that determines the level of cotinine, a by-product of nicotine being processed in the body. A cotinine test can detect nicotine up to 4 days after use in your system.
Should you have had a casual smoke and want to ensure that a nicotine test does not give you away making high premium, you should think about checking your nicotine amounts at home before you agree for a medical test. A house nicotine test can ensure that you are completely clean and ready for the test. Most home nicotine testing requires a small sample of urine and takes less than 5 minutes for results to appear. The home test is based on the cut-off degree of 200 ng/ml.
The tobacco test conducted at home is just not very expensive and therefore may be used without feeling the touch of losing a lot of money. In any case, the reduction that you can expect in the high quality shall more than justify the amount spent on the home nicotine test.
The product can detect any kind of strong tobacco and can be applied to detect pipe strong tobacco, cigars, cigarettes as well as smokeless strong tobacco. So if you really want to come out clean during the medical checkups organized by insurance providers, take the home nicotine test to ensure that the nicotine has really run out of the system, and that your efforts to quit will indeed be rewarded. For more info check out elektrische zigarette.
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