Can Life Insurance Companies Tell If You Smoke? 
Can life insurance companies tell if you smoke ? Usually they can . Either through lab testing or through medical history . Insurance companies use the Medical Information Bureau -LRB- MIB -RRB- which is much like a credit bureau in the sense that your history of medical care is stored there . A person should also be aware that some states have `` waived '' the two year contestability clause on life insurance when dealing with smoker fraud . My state will not allow payment of a death claim only a refund of premium paid if it is found an applicant lied on the application . The state feels no `` contract '' was made to begin with , so the contestability clause does not apply . 