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For those who are looking to purchase affordable life insurance, being a non-smoker helps considerably. This is because smoking is a habit that has been proven to cause medical issues such as heart disease, lung cancer, strokes, and more. While many people believe that life insurance companies test for nicotine in the system, the truth is that most choose the cotinine test for life insurance.

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What is a Cotinine Test?

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Cotinine is a substance that is associated with nicotine and used to detect if the person is a smoker. Cotinine is used in place of nicotine because it is relatively easy to identify and is not as easy to flush from your system as nicotine. The cotinine urine test for life insurance is the most common as the substance can be detected in this manner.

However, some insurance companies may ask for blood or hair test to identify the content. Usually, hair or blood test is done if there is some doubt from the insurance company about your claims to being a non-smoker.

While cotinine does stay in the bloodstream a little longer as compared to the urine test, it will be present in the hair for a considerable length of time.

Why Insurance Companies Use the Cotinine Test?

There are several reasons why insurance companies prefer this type of test, starting with the fact that it can detect the use of tobacco and marijuana products in different forms.

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  • Chewing Tobacco
  • E-Cigarette Products
  • Marijuana
  • Cigars
  • Nicotine Gum and Patches

When it comes to how long cotinine stays in the system, it depends in large part on the person. However, it is recommended that you want to pass as a non-smoker, then you should give up all marijuana and tobacco-based products for at least a year.

This is because trace amounts of cotinine will stay in the system for months after you quit. 12 months provides enough time for the cotinine to leave your system so you can pass a urine, blood, or hair test.

How Can Cotinine Be Removed from the System Faster?

There are many factors when it comes to how long cotinine stays in the system which includes the following;

–    Age
–    Gender
–    Amount of Cotinine Inhaled or Ingested
–    Metabolism

To remove the substance faster so that you can pass a life insurance cotinine test, you can try the following;

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  • Drink More Water
  • Take Vitamin C Supplements
  • Eat Healthy
  • Exercise
  • Stop Taking in Nicotine

Doing all five will help to clear the cotinine from your system faster. You should also purchase over-the-counter nicotine and cotinine tests so that you can monitor your progress in getting a clear result. Once you have passed the test for about a week, then you may want to sign up for the life insurance test.

Of course, there is no guarantee as trace elements of cotinine may stay in your tissues for months regardless of the steps you take. So, it is best that you quit all tobacco and marijuana products for a substantial period to get a clear result.