Will Life Insurance Know If I Smoke? 
Every Life Insurance company and application will ask if you are a smoker or a non smoker , which you as a applicant will answer . Most companies will require the agent to do a tobacco swab test at the time of application to assure accurate information is being received and reported by the agent . Many times the company will require a urine or blood test to be collected also . In addition they can request a copy of any doctors records . I have know of policies that were cancelled and ever that did not pay at death because the truth was not given at the time of application . Smoking rates can be much higher , however the truth usually does come out in the reviews of the information collected . 