How Long Do You Have To Be Tobacco Free Before You Can Put It On An Insurance Form

Ten years after quitting your risk for lung cancer drops by half.

How long do you have to be tobacco free before you can put it on an insurance form. One year after quitting your risk of a heart attack drops sharply. It s possible for people who don t use tobacco to test positive for a. If the urine test result indicates that the nicotine and cotinine index is less than 20 ng ml you are proved to be a non smoker. Cotinine can stay in your body for up to three weeks or longer.

With the smokers who are under abstinence in 2 complete weeks the concentration of nicotine is less than 30 ng ml and cotinine is less than 50 ng ml 1. Some companies require that you be tobacco free for six months. While it can take time to turn back the clock on the effects of. Space the tobacco plants 2 3 feet apart in the row and space rows 3 1 2 4 feet apart when it is practical.

Different tests are used to determine whether you have nicotine or cotinine in your system. A one pack a day smoker may pay higher rates than a person who smokes one cigarette after dinner. But others require that you not use tobacco products for a full year or even longer. The insurer will also ask you how much you smoke.

Plus this period could be longer or shorter depending on which form of tobacco you use. If your levels of nicotine are moderate it might mean you used tobacco and stopped about 2 to 3 weeks before the test. It takes at least three days for nicotine to leave your blood but insurance providers test for another compound cotinine that s formed after nicotine enters your body. Applicants must have refrained from smoking cigarettes for at least 12 months to qualify for nonsmoker life insurance rates at most companies.

But to keep those nonsmoker rates you have to quit. The insurer will still classify you as a smoker regardless. Five years after quitting smoking the risk of mouth throat esophagus and bladder cancer are cut in half. The application will ask you if you ve smoked in a specific length of time such as 12 months.

At the 15 year mark your risk for heart attack and stroke has decreased to equal that of a person who s never smoked before. Within nine months your coughing and shortness of breath decreases. Tobacco also requires good amounts of nitrogen and potash both of which can be achieved with a good compost but we recommend a good garden fertilizer if you do not have or use compost.