Will Life Insurance Know If I Smoke? 
Life insurance agents and underwriters do not have a crystal ball that reveals that you had a cigarette that morning . But they do all they can to find out if you are a smoker , and rely on your honesty for the rest . Blood tests , urine tests , swabs , questions on the application , phone interviews , doctor records ... nearly all policies use one or more of these methods to determine if you smoke . It 's best to just fess up , and then if you quit , apply for a nonsmoker rate a year after you quit smoking . 