Jul 9, 2010 #1 A AB Member May 20, 2008 126 0 16 ...nicotine only or no nicotine either? My question has nothing to do with lying about it. I am asking does NO PHYSICAL mean that a life insurance policy purchased as such does or does not include nicotine testing. How hard is that? Geeeeze
...nicotine only or no nicotine either? My question has nothing to do with lying about it. I am asking does NO PHYSICAL mean that a life insurance policy purchased as such does or does not include nicotine testing. How hard is that? Geeeeze