To Smoke or not to Smoke? – Tobacco & Nicotine Testing Kits
Smoking is a health hazard, to both those who smoke and those who are exposed to secondhand fumes. Due to this hazard, many companies have begun to test their employees for nicotine via nicotine drug tests. Nicotine tests help employers and insurance companies alike evaluate a persons health more accurately, often times resulting in increased costs to the smoker.
Nicotine Testing for Insurance
Nowadays, many insurance companies require a full physical before accepting an individual onto one of their coverage plans. While this certainly holds true for health insurance, it is even more prevalent in the realm of life insurance policies. Life insurance companies require applicants to undergo an insurance company test for smoking. This is typically performed through blood testing for nicotine or a nicotine urine test. Should an individual be found to have nicotine in their system, they will be required to pay a higher insurance premium. Quite simply, smoking puts your health at risk, and insurance companies are not willing to take that risk without first, a tobacco test and second, higher...
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