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When seeking a life insurance policy the insurance company will most likely do many tests to set your fee and evaluate your lifestyle. This includes seeking your background in both occupation and health, in addition to getting some physical exams. A urine test is included, often, by one of these to see if you will find any drugs or other dangerous agents in your system, often done arbitrarily to obtain the most effective results. When they try this test they look for nicotine as well, to see if you are a smoker, even if they ask you beforehand. It is maybe not uncommon for individuals to lie about smoking to try and get better insurance charges, just like continue reading this... If you do not smoke and are chewing tobacco and are worried that life insurance for tobacco chewers is really as bad as that for smokers, here is the cause you do not have to worry. Personally they might not appreciate somebody eating obnoxiously inside their company, If there is no nicotine in the body your tobacco could be probably chewed by you while conversing with the folks and they'd not care--at least not in terms of the insurance rate. While there are other health threats that accompany gnawing tobacco they are different enough from these that accompany smoking that the insurance firms often classify them as two different points. Some insurance companies, however, are not so easygoing toward chewing tobacco. When looking around for life insurance it may be better to seek out an insurance broker or advisor, somebody who knows the ins and outs of the area insurance companies and will help you find exactly what you are searching for. They know the rules and those will neglect chewing tobacco and can easily send you in the right way to have the best pace and package for you with out any problems, problems or problems.