Can Life Insurance Test For Tobacco? 
Yes . Most life insurance carriers are very specific about rating their customers into categories , such as Non-Smoker or Smoker . While each company has a different name for how they classify it , each holds the risk to tobacco users and non-tobacco users , who have different life expectancy 's , therefore different risks to the insurance company . The methods of discovery can be blood and urine test , or even a simple mouth swab which is used to detect trace amounts of nicotine . Some companies do n't mind a little use , while others are very restrictive . 