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Fill out an application form for life insurance is a bit like doing an exam, there will be an impressive number of questions to answer, but as a test, should be treated seriously. When insurers are asking for details of their health and lifestyle, most will take you to your word, and it is likely that any white lies will come out later.

Perhaps you are a reformed smoker? If you have been struggling with giving up the weed for a while and are virtually free of nicotine, may have decided that the new and healthier than you have to evaluate your life insurance plans. Perhaps this is the final push to ensure that they adhere to its resolution. Be careful, though. The question applies to the last twelve months, most likely, and if insurers find the statement that not true, you risk the rejection of his claim. This could be an unpleasant shock to any would-be beneficiaries.

How do I know that there are being completely truthful? There are some urine tests have been developed to catch people who are able to get cheaper insurance. They are inexpensive and are quick and desirable. So your insurance company can now check whether they suspect something wrong.

So it's much better to tell the truth. This means that if not actually smoke, you might have to fork out up to twice the premium for life insurance. It is unfortunate that smokers face a lot of opportunity more ill health and even premature death.

Before this new test and simple, there was already available that measures the level of Cotino – a byproduct of nicotine. This was expensive and results can take weeks to arrive. The new test is immediate and the urine is analyzed and remains clear for non-smoking, red for heavier smokers and several shades of pink for the "almost abandoned, but can not handle it all" people. It is believed that if a physician is requested by the insurance company may request one of these tests were administered as part of it.

A spokesman for the Association of British Insurers, said: "People pay more for insurance life if they smoke and are usually asked if they had a cigarette in the past 12 months. And by large insurance companies have been taking people at their word by this test could come in handy if a company has reason to doubt the statement made by a client. "

This means that if insurers health check of the applicant with his family doctor, who says they are a heavy smoker – although the application for claiming the non-smoking status, then they could consult with the Grand Prix to see if circumstances have changed and ask if the test could be used to determine the facts.

One of the main subscribers a major insurance company said it welcomed the ease and low cost of the new test. I thought it would be more likely to be used when a review doctor had been requested and did not expect that everyone who claimed to be a nonsmoker to be tested.

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Article Source: ArticlesBase.com – Would You Believe It