How Can Life Insurance Companies Tell If You Are A Smoker? 
Life insurance companies can tell if you are a smoker by testing blood and urine , by asking about tobacco use on the application , sometimes by doing a phone interview , and sometimes by looking at medical records . The insurance companies ca n't always tell , but it is surprising how many people get caught using tobacco when they think they wo n't . And once that trust is broken between what was stated and what is true , the underwriters do n't give you much benefit of the doubt for anything else . 