How Can Life Insurance Tell If You Smoke? 
There are several methods that life insurance companies can use to tell if you smoke . Not all of these are used when applying for every policy . 1 -RRB- They will ask about tobacco use on the application . 2 -RRB- They will test for nicotine/cotinine in the blood , urine , and/or saliva 3 -RRB- They will ask about tobacco use in a phone interview 4 -RRB- They will look at medical records to see if you are a smoker . 