Life insurance companies can tell if you are a smoker by testing blood and urine, by asking about tobacco use on the application, sometimes by doing a phone interview, and sometimes by looking at medical records.
The insurance companies can't always tell, but it is surprising how many people get caught using tobacco when they think they won't. And once that trust is broken between what was stated and what is true, the underwriters don't give you much benefit of the doubt for anything else.
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The insurance companies can't always tell, but it is surprising how many people get caught using tobacco when they think they won't. And once that trust is broken between what was stated and what is true, the underwriters don't give you much benefit of the doubt for anything else.