answersLogoWhite

0


Want this question answered?

Be notified when an answer is posted

Add your answer:

Earn +20 pts
Q: Smokeless tobacco and life insurance tests?
Write your answer...
Submit
Still have questions?
magnify glass
imp
Related questions

Does smokeless tobacco show up in a swab test?

If they are LOOKING for tobacco, then yes... Most drug tests do not look for tobacco, unless it is for a specific reason... ex: health / life insurance....


I had one chew of smokeless tobacco each night for the last few years and have not for the last six days will I pass an exam for life insurance?

no you will not


Do you die faster if you chew or smoke tobacco?

Yes. Smoking decreases life expectancy by 8.8 years, on average, in heavy smokers. Users of smokeless tobacco have a higher life expectancy, since orally ingesting tobacco does not damage the respiratory system. Snus, a form of smokeless tobacco, statistically only decreases life expectancy by several weeks. If you want to maximize your life expectancy, do not use tobacco. If you are unable to quit tobacco, switching to smokeless tobacco will increase your life expectancy significantly.


What are consequences of dealing smokeless tobacco?

You will go to jail for the rest of your life.


Are their any tests to see if someone is using tobacco products?

Yes, insurance companies test for cigarette use before deciding to give you life insurance or to decide how high your premiums will be.


How long should you wait to apply for Life insurance after quiting chewing tobacco?

Chewing tobacco underwriting varies by company. Some life insurance companies will consider you to be a tobacco user for 1 year after you quit chewing. The good news is that there are some life insurance companies that could care less about chewing tobacco and will offer you their non-tobacco life insurance rates today! In fact, you could chew tobacco at your insurance paramed exam and still qualify for non-tobacco rates.


What causes false positive results for tobacco in urine tests?

I can NOT answer the question, but I am a victim: I have NOT used any tobacco products for over 18 months, but my life insurance urine test came back positive for nicotine, and THAT is because I am chewing NICORETTE GUM! The Life Insurance application asks if you are a TOBACCO user… It does NOT say anything about nicotine…They refused to lower my rates. Can anyone help?


Wouldn't it be cheaper if you are a non smoker on life insurance?

Non-smokers pay lower premiums than smokers if that is your question. If you are a cigar smoker or smokeless tobacco user, you may be able to qualify for non-smoker rates with some companies.


How much salt is in smokeless tobacco?

it will kill you! cigarrettes are much better. but i hate people who smoke anything!! i suggest u not do it! it will ruin ur life an nobody will wanna b ur friend if ur a smoker at a young age!


Can you get approved for term life insurance if recommended followup tests were not completed?

It depends on the requirements of the life insurance company. If one company requires more tests to further examine your health and do more analysis of the risk insuring your life poses to the insurer, then you would need the follow-up tests completed in order to be considered for the life insurance. However, you could still try to apply for term life insurance through other insurance companies. There are even insurers that do not require any medical exam or blood tests, in order to qualify for coverage.


What tests do they do for life insurance?

Most cases Urine and Blood tests, as soon as person doesn't have existing conditions.


Is chewing tobacco safer than smoking?

While the available evidence shows that smokeless tobacco may be less dangerous than cigarettes are, long-term use of chewing tobacco and other smokeless tobacco products can cause serious health problems. That's because they can contain about 30 cancer-causing substances. Like cigarettes, smokeless tobacco also contains nicotine, which can cause you to become addicted.AddictionBecause smokeless tobacco contains nicotine, you can get addicted, just as you can with cigarettes and other tobacco products. Your body may actually absorb more nicotine from chewing tobacco or snuff than it does from a cigarette. Just as with smoking, withdrawal from smokeless tobacco causes signs and symptoms such as intense cravings, increased appetite, irritability and depressed mood. Also, over time, you develop a tolerance for the nicotine in chewing tobacco and other smokeless tobacco products, and you need more to feel the desired effects. This may lead you to dangerous habits - using brands with more nicotine, using more often, leaving chew in your mouth overnight and swallowing tobacco juices.CancerYour risk of certain types of cancer increases if you use chewing tobacco or other types of smokeless tobacco. This includes esophageal cancer and various types of oral cancer, including cancers of your mouth, throat, cheek, gums, lips and tongue. Surgery to remove cancer from any of these areas can leave your jaw, chin, neck or face disfigured, and the cancer may be life-threatening. You also face increased risks related to pancreatic cancer and kidney cancer.CavitiesChewing tobacco and other forms of smokeless tobacco cause tooth decay. That's because chewing tobacco contains high amounts of sugar, which contributes to cavities. Chewing tobacco also contains coarse particles that can irritate your gums and scratch away at the enamel on your teeth, making your teeth more vulnerable to cavities.Gum diseaseThe sugar and irritants in chewing tobacco and other forms of smokeless tobacco can cause your gums to pull away from your teeth in the area of your mouth where you place the chew. Over time you can develop gum disease (gingivitis), which can lead to periodontitis and tooth loss. And like cigarettes, chewing tobacco and other smokeless products can stain your teeth and cause bad breath.Heart diseaseSmokeless tobacco increases your heart rate and blood pressure. Some evidence suggests that long-term use of smokeless tobacco increases your risk of dying of certain types of heart disease and stroke.Precancerous mouth lesionsSmokeless tobacco increases your risk of developing small white patches called leukoplakia (loo-ko-PLAY-kee-uh) inside your mouth where the chew is most often placed. These mouth lesions are precancerous - meaning that the lesions could one day become cancer. If you stop using smokeless tobacco products, the lesions usually go away within a few months.