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I have a life insurance examination and I smoked some cigarettes …?

I quit smoking years ago, but I recently lost my mother and I smoked some cigarettes (about 6 cigarettes in the past 2 weeks). I have to take a blood test for a new life insurance policy and I worry that nicotine is shown blood which results in much greater "smoker" rates. How long should I wait to take the blood test? To be clear, I have not started smoking again. I am not a "smoker". I just have a few in times of extreme stress. I would say that already "quit" again, but there was no need to "exit" what does not become a habit. My intention is not to disappoint my insurance company. She drew away for a minute and then back on the track.

Power that you get away with not telling the truth in the proof of insurance nicotine if you smoke? This is not the right thing to do is tell the truth better proof of insurance nicotine. Although most nicotine test or continine is excreted or eliminated from your system within 1-2 days (usually all signs have disappeared, except within 7 days of your hair — not prove their hair). The life insurance company can access information from the MIB – Medical Information Bureau from all member companies. Moreover they ask on the application. The application becomes part of the life insurance policy is a legally binding contract. If you lie on the application that have misled the insurer, and perhaps fraud. What if the insurance company finds out you smoke? If proof of insurance nicotine becomes positive Smoking Smoking insurance company may refuse your request, we offer a revised rate of smoking, and / or notify the Medical Information Bureau to keep your files. What if they find out that the smoke after my life insurance is in effect? First, there is a clause in his life insurance policy the "undisputed clause. Dispute means with respect to statements made in the application for coverage of the life insurance policy can not be contested after it has been in force for a specified period, usually two years. However, if the life insurance company learns that smoke within the first two years of the policy that you can cancel the policy, adjust their rates to the rates of smoking and require payment of the difference in fees goes back to the date of creation or beginning of politics. Can the decline in life insurance company to pay the beneficiary if they knew I smoked after have died? Again, this goes back to the question of Disputes. If you pass away within the first 2 years of taking his life insurance policy and the cause was related with snuff as lung cancer, emphysema or heart disease that may oppose the policy. The insurer may refuse to pay benefits to your beneficiary's life it can demonstrate smoked. If you spend more than 2 years after the start of its policy that can still fight the case and refuse to pay if related snuff with his death. Depends on the insurer's position on this issue and soon after 2 years he died. Imagine having a smoker's life insurance and then your spouse and family do not receive benefits (except those who paid the insurance premiums, which may or may not be returned by the company life insurance after his death) when most needed. If you prepare and take the test and life insurance nicotine pass its up to you. Just be aware of effect of its decision and remember, when answering a question on the application of a life insurance policy that becomes a part of a law binding contract. I hope this help! Best of luck to you. PS If you want, you can look into getting life insurance no medical exam and testing for non-smokers – https: / / / insurance.hsbcusa.com quotal / single-term hsbc.cfm? AgentID = 9200 & mc_id = 107TVXWFW