Does Life Insurance Know If You Smoke? 
When you apply for life insurance , the insurance company will ask about smoking on the application . If you take a No Exam policy , they will ask you about smoking in the phone interview . And if you are applying for a medically underwritten policy , they will test for nicotine in your blood and/or urine . If medical records are ordered and a history of smoking is noted in your medical records , they will take that into consideration , as well . 