Your chances of passing the test would depend on what test the insurance people are using as well as your metabolism
. There is variability from person to person and some genetic differences in the rate at which nicotine
is metabolized and in the rate at which cotinine (metabolite of nicotine) is cleared from the body. Usually nicotine and cotinine are cleared from the saliva, blood and urine by a week, but if hair is tested, then these can be detected for a longer time. I feel that you should stop smoking
immediately and also avoid exposure to second hand smoke. Taking lots of fluids may help in faster clearance from the body.
Hope this helps you. Best wishes.