Will Life Insurance Know If I Smoke? 
For the most part , when applying for Life Insurance , there are questions on the application that relate to smoking and the use , or past use , of tobacco products . IN addition , it is pretty common practice to include a paramedic review and visit and they may conduct an oral swab or be required to draw a blood sample and or urine specimen for lab analysis . If an attending physician 's report is needed for underwriting , they will also be requested . The Life Insurance company will learn if you are a current tobacco user . 