How Does Life Insurance Test For Smoking? 
That is a great question ! In the case of you purchasing a policy for a larger face value , the insurance company will send out a para-med who will take samples or swabs from you to test for the markers of nicotine use . In the case of a smaller face value policy , there will be a question on your application , and then subsequent ones relating to smoking related diseases . If at some point the company has reason to believe that your answers during the application process are less than truthful , they may elect to deny or delay your payment on those grounds . The best thing to do is quit smoking , or find a company that is lenient with their tobacco rules , or one that does n't ask at all . They exist , and a good agent can find one for you . I hope that helps , thanks for asking ! 