Can Life Insurance Companies Tell If You Smoke? 
Life insurance companies are not mind readers , but they do their very best to find out if you smoke . If you have a blood test , urine test , or swab , the presence of nicotine will show up in all those tests . If you have ever taken Chantix or other drugs to help you quit smoking , they will see that on your pharmacy record . If your medical records show that you smoke and you have a health condition that causes underwriters to order your medical records , the insurance company will take the word of what is written in your medical records . 