Will Life Insurance Know If I Smoke? 
That 's an interesting question ! Are you contemplating not being truthful ? While you can probably get away with answering falsely on your application , you will certainly run into trouble if there are tests , or previous doctor visits on your record that list you as a smoker . -LRB- They will do a check of every previous medical issue that you 've had , along with your prescription history -RRB- . You will also have problems if the cause of your death is listed as a smoking related issue . Would n't it just be better and own your smoking and be honest ? If you want to really save money , drop the $ 6/pack habit -LRB- $ 2190/year at a pack a day -RRB- and the $ 12,345 per year associated health costs of smoking , and not the extra $ 120 or so you 'd pay for insurance . I hope that helps , thanks for asking ! 