人壽保險如果吸菸可以告訴你？
人壽保險如果吸菸可以告訴你？
 When you take a life insurance exam, the life insurance company can tell that you smoke by your blood and urine tests. If you do not take an exam, they will not have evidence of your tobacco use, unless they order medical records and it is noted in your medical records. However, they almost always ask whether you smoke on the application. You are expected to be truthful on the application for your policy to be a valid contract.
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