人壽保險如何檢查吸菸？
人壽保險如何檢查吸菸？
 Fully underwritten life insurance requires blood and urine tests for a variety of medical items. Urine analysis can detect smoking behavior by testing for cotinine a byproduct of tobacco in cigarettes. Cigarette smoking can impact your life expectancy, so the life insurance company charges more because your life span is less based on the statistics of smokers.
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