How long to get nicotine out of bloodstream?

Most policies have a three year contestability period. That means that if the insured dies within three years, coverage can be voided based on misrepresentations in the application. The insurer will check, for sure. No benefits will be paid if the insured lied on the application about something that affects premium. After 3 years, (depending on the policy) the insurer must pay even if there were misrepresentations. That does not mean an applicant should commit fraud and hope to get away with it. The applicant can and should go to jail if caught. Insurance fraud drives up premiums for the honest.

I talked to her today and she had already had the insurance rep. over and told him she was a smoker. They worked with her and she got a quote on a policy that really wasn't out of line. She did the right thing.

Yeah... I know they have products at GNC that clean your system of drugs to pass employer drug tests, but I wasn't certain that the tests were done the same way. It sounds like she was upfront about the whole thing in the first place with her agent, anyways.