How Does A Life Insurance Company Know If You Smoke? 
Each life insurance company is likely to perform a blood test before issuing life insurance . Certainly for any amount over 100k . That blood test will detect nicotine in the system for the past several months . If you say you never smoked , the test will not go back that far , but other records will and they may check those . Lying to a carrier will result in termination for material fraud , although that may only go back two years from the application in most cases . Even vapor smokes now in use , are testable and show nicotine . Had a client have his rates increased due to smoking vapors . Be honest and find a company you can trust . Thank you . GARY LANE . 