Can Life Insurance Companies Tell If You Smoke? 
I tell all of my clients who use tobacco in any form on a regular basis to be honest . More times than not , they will find out , either through blood/urine analysis or through their doctor 's report . Having done this for over 20 years , my experience is that you are better off telling a client up front that you are not going to try to `` cover '' for them to try to get them a better rate or to get their business . They have to bite the bullet , and if they quit for a year -LRB- sometimes longer depending on a companies ' policy -RRB- , then we can go through reconsideration to get them a better rate . I also try to place them with a carrier that is more favorable on reconsideration -LRB- i.e. 1 year versus longer -RRB- . There are a handful of companies that will allow non-tobacco rates , even if you dip regularly . 