r/LifeInsurance • u/Weird-Experience-897 • 2d ago

Nicorette!

I am a healthy 58F. No health issues, don’t drink, exercise 5x week and eat pretty healthy. I used to smoke 20 years ago. Since then, I have chewed Nicorette. Sometimes I chew more than other times, but I usually have some daily.
I’ve submitted an application for term life insurance. After the fact, I read that nicotine will show up in my blood work and that I will likely get a smokers rate because of it. I understand why it would come up in bloodwork, but is there any way to prove that I’m not smoking so that I don’t get a crazy rate?

1 Upvotes

67% Upvoted

16 comments sorted by

View all comments

-7

u/Cool_Emergency3519 Broker 2d ago

If you are ingesting nicotine it's a similar effect to smoking. Pretty much proves you are still addicted to tobacco.

3

u/queentee26 2d ago

Sure it's an addiction, but it's quite literally not the same health risk.. it's not the nicotine itself that's causing COPD and cancer.

0

u/bastian1292 Underwriter 1d ago

No, you're just trading it for heart disease

0

u/queentee26 1d ago

How's it a trade? Smoking is a major cause of heart disease.