What If You Lie About Smoking On Life Insurance? 
If you lie about smoking on your life insurance application , there is a chance that the underwriter will find out even while evaluating your policy rating . They may find out by your blood or urine test or by your medical records . If that happens , all the questions you answered on your application will be suspect , which does not contribute to getting the best rating . However , most companies will go ahead and approve the policy at smoker rates , if the applicant qualifies otherwise . 