I'm having a life insurance policy put in place for work and my insurance agent asked me if I smoke. I said only cigars. She said they count that and that it takes around 3 weeks to get that fully out of your system. The rate is significantly different for non-smokers (several hundred dollars per year). For that amount of money I suppose I can wait that long (that pains me to say), but is that really accurate? I think the tests are blood tests.