Can Life Insurance Companies Tell If You Smoke? 
Can life insurance companies tell if you smoke ? No and Yes and it may not matter ... ;-RRB- Depending on the application questions and background work an insurance company may not be able to tell if you smoke . If the application does n't ask many health questions , you may not be saving any money as they have built the cost higher to compensate for fewer questions . Simple rule , more questions , more depth , better pricing . To get the better pricing , you will be asked health questions , they will look at your health history and they will take current lab tests . Another thing to consider if you 're thinking of not disclosing smoking is the fact that in some states the office of the insurance commissioner declares the policy null and void at any point in the life of the policy . It is the exception to the two year contestability clause . 