200m asked:


I have a life insurance exam scheduled in the next few weeks. I had smoked some cigars and cigarettes during a bachelor party not long ago. Should I postpone the medical exam? I am not a smoker and want the non smoker lower premium. Above that I do not want to be flagged for being one.

StraightBallin asked:


I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?