*Loan,banking and credit>>>life insurance

How does one go about beating a nicotine test for a life insurance policy?

Just found out my buddy needs to take a swab test for smoking to get a life insurance policy, he needs help beating it. Any ideas? (And no judgmental, moron answers either please)

Nope, no way to beat it. Sorry, he'll have to pay smokers rates. Which makes sense, because if he lies on the application, it can void out the policy, which kinda defeats the whole purpose of having it, ya know? Source(s): agent, 21+ years

Go to your local head shop and get a urine cleaner for drugs, works on nicotine also. The policy would only be voided if he died from lung cancer in the con-testability period. Otherwise they would take the premium amount he was supposed to pay from the death benefit amount.
The only way to "pass" a nicotine swab test is to have not used tobacco for 6-8 weeks before the swab is taken. Your buddy's best bet is to say he made a mistake on the paperwork. Otherwise he may be charged with attempted fraud!
Sorry, there is no way to cheat the med exam.
I am a licensed insurance agent. We do the swab test in the office and there is no way to cheat the agent. If you are having a para-med exam (a nurse comes to you), they give a physical and swab at that time (they also do a blood and urineanlysis test)
I'm not sure if this works for swab tests, but goldenseal works in 100% of the cases I've heard of for urine tests. It works by absorbing the nicotine from the bloodstream. Take 3x the recommended dose (it's about as harmful as alfalfa) for 7 days before the paramed exam. If he can, have him stop smoking for 4 days prior, this will ensure that all of he nicotine is absent from his body. The worst thing that happens is that the insurance company issues him a smoker's rating, in which case his premium will be higher and he does not have to accept the policy. He is then free to apply anywhere else. Obviously, this is not legal or moral, but I have firsthand knowledge of the process. It's not true that he could be charged with attempted fraud. It is true, however, that his beneficiaries may only recieve the premiums paid instead of the death benefit if he dies during the contestibility period (usually 2 years in most states).