Will Life Insurance Know If I Smoke? 
Will life insurance know if I smoke ? Well , depending on how much coverage you purchase , if anyone else knows you smoke chances are they will too . First off , most insurance companies ask for an attending physicians statement and chart notes . So if you 've told your doctor , you smoke . Second , many plans require labs so if you smoke it will show up in your labs . And finally , some states have enacted laws that skip the two year contestability clause on life insurance when the applicant lies about smoking . These states view this as no contract was formed and wo n't let the carrier pay a reduced benefit . Just a return of premium . 