How Does A Life Insurance Company Know If You Smoke? 
Most life insurance applications ask if you smoke . Depending on the size of the policy and the company , you may be asked to take a urine , blood , or saliva test . If you lie on an application and die within the two year incontestability period a company may question the issue based upon cause of death , and could either adjust the death benefit or refuse to pay the claim and refund the premiums paid depending on the circumstances . 