Nicotine Tests and Insurance Policies A Guide To The Types of Tests Used In The Rapidly Growing World of Nicotine Testing The life expectancy of a smoker is about 10 years less than a non-smoker on average. This stark finding was published in the British Medical Journal a few years ago. Over time various clinical research has proven that smoking can cause many health issues like heart disease, lung cancer, COPD and more. This is exactly why health insurance and life insurance companies make it...