Smoking detection for life insurance.?
925971
Underwriting usually starts one to two weeks after the date of application. Cotinine can last for 7 to 10 days. So if you smoke once, and never smoked for the next 7 to 10 days, your cotinine level can drop to the level of a non-smoker.
163251
use commit, my grandpa is 80, he has ben smoking since he was 7 years old, back then it was legel and smoking wasn't bad for you.  he now has lung cancer and had to quite if he wanted to get rid of the cancer he has been using them for 2 days now and i don't think he has had a cigarette since then
844801
There has been a mind-control program regarding second-hand smoke instigated by the controllers of the medical industry.\nThey are struggling to hide the fact that vaccinations are killing people, and they put it down to second hand smoke and sun bathing.\nSecond hand smoke has far less effect that the pollution from a passing car
100987
i think all states have anti-somking ads phillip-morris has one and truth.com is the biggest one i know of. you can always go to google and type anti-smoking campaigns. i also know that truth.com targets mostly teens
978223
The problem is, the data isn't conclusive. While there are people who have died from lung cancer who never smoked, there are also people who work around smokers all the time (in a bar for example) who are perfectly healthy. So, the question is - were these non-smokers exposed to something else and/or simply, unfortunately, susceptable to developing cancer (because it ran in the family, for example)?
437690
The best you might be able to do is try to find a 'guaranteed issue' policy that does not require medical underwriting.\nThis is going to require the help of an agent very familiar with non-standard forms of life insurance.\nThis product does exist but you are going to need help, so call some agents and 'interview' them about this kind of product.\nIf they tell you they don't know of anything, try somebody else because it is out there.
174938
Yes, chemicals can be detected in blood and other tissues from  tobacco use.  How long it can be detected depends greatly on what testing methode is used, how much and how often you chew and how determined the insurance carrier is in finding out.  The length of time is so variable because of these factors that it could be anywhere from weeks to months andeven longer in a forensic investigaton.
320034
Ok, here's the deal...\n\nWhen you smoke, the nicotin and another substances that tobacco contains mingle with the chemistry of your lung cells, changing their functions and live processes.\n\nWhen you smoke frequently, the chemistry in your cells is so tampered with, that they start multiplying like mad, obstructing the healthy lung cells.\n\nThat´s lung cancer.\n\nOh, and when you smoke, the lung cells also start to die, beyond repair, reducing your capcity of breathe, wich also reduces your lifespan. I know that for a fact that my granny died of that :-((.
789352
smoke, smoking smoke.
715553
Identify theft\nBreast cancer info\nWeight loss info
904639
No X Ray of the lungs are to see if there are any holes in ur lungs but it wont show that u smoke unless the only cause of the holes can only be from smoking
703691
a couple of examples: Smoke detectors can prevent death. You need to besure your batteries are good. There have been many deaths do to people not having a smoke detector. A smoke detector detects the  problem before the fire. As the old saying goes, Where there is smoke there is fire!
1012979
Depends on the drug use (frequency and dosages) and the test.  On cheap and inefficient tests, you may be perceived as clear within days, but we have some tests that are looking for any trace residual amounts and it may take months or years for some common drugs to be cleaned out.  Some of the new non-tobacco user drug tests that life insurance companies use will raise flags if a person has used tobacco in the past 2-5 years!  With the motivation that some companies face (government contracts for instance), some are using some pretty sophisticated tests for common drugs and they may be just about as sensitive.  I worked for one company where there were three long-time users and they had little to fear because our "screenings" were cheap and not random.  They got by undetected for years (one got sloppy and showed up to work while still high and the other almost terminally OD'ed at home one weekend and it hit the newspapers)--semiannual tests didn't catch them because they were clean by the time the scheduled samples were taken.\n\nSome of the chemicals people use, however, are of types and sophistication that you practically have to be intentionally looking for them, but most opiates have chemical signatures that if a person is using at all, some tests, though definitely not all, will catch you even months later.
126656
Try going to their site.search for marlboro
739454
No , but there are terrible consquences of smoking like heart disease, stroke and lung cancer, go to the following sites for more info:\n\nhttp://www.quitnow.info.au/ (best anti-smoking site)\nhttp://www.quit.org.au/\nhttp://www.nsma.org.au/facts.htm\nhttp://www.healthinsite.gov.au/topics/Health_Effects_of_Smoking\n\n(They are australian sites because i'm from there_)
35015
http://images.google.com/url?q=http://st.fatih.edu.tr/~mkocali/cigarette/Pictures/Lung_Black.gif\n\nhttp://www.besttreatments.co.uk/btuk/images/lung_cancer_xray.jpg\n\nhttp://drjohng.com/images/lung_cancer.jpg
1006511
You can do a search on0line by state or use http://www.vitalchek.com/