Ok here is the situation: 44 year old lady who quit smoking 2 weeks ago. Already has a small policy through another agent, approached me and wants to add to it. She wants to get non-smoker rate. She said her other agent told her that once she has been off tobacco for about a month, all traces will be out of her system and that she can have a blood test taken to prove it and submit that to her existing insurance company and they will allow to add to her policy at the non-smoking rate. She is giving me the opportunity to see if I can match this option that her existing agent has offered her...does anyone know a carrier that will allow something like this?