How Does A Life Insurance Company Know If You Smoke? 
They take your statement in good faith , if they find out postmortem that you innocently may have had your status as a smoker misunderstood . They would honor the policy but adjust the benefits according to the premiums that were paid . This would not be an issue that at the end of the contestable period would be grounds for contract rescission . By the way it is `` the use of tobacco products '' within the 9 months prior to entering into the life insurance contract that constitutes a `` smoker '' . 