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How would a life insurance company know if you were a cigarette smoker?

They would obviously want to charge you more if you smoked, so do they just take your word for it?

Public Comments

1. they don't know for sure, but they usually will visit your home and if they see any evidence.........
2. They may require a blood test to verify if you have nicotine in your system.
3. Insurance physical exam.
4. You'll be giving saliva samples, urine samples and blood samples - and giving them access to your medical records. Likely, it would show up in multiple places.
5. They get samples of your blood and urine. Then if you die within two years of a heart attack after you told them you didn't smoke and they get your doctor's records they say you did they'll deny your claim (or your beneficiary's claim anyway).
6. Your medical records will have that information in it and / or they can do a blood test that shows your CO2 levels.
7. they don't know for sure but if you have to get treated for a condition related to smoking...that will be seen as a preexisting condition. It will also nullify your insurance application b/c you lied on it.
8. When the physical exam is performed on you to qualify for life insurance, they may take blood, urine, and/or saliva samples. From the samples they may be able to determine if there is nicotine or continine in your system. Nicotine may be removed from the system over a period of time, sometimes 10-30 days. It is best to answer all questions honestly on your life insurance application, because there is a contestability period where they can contest paying your claim if you provided a material misrepresentation on your application. Also, if you quit smoking, within 1-2 years you may qualify for a lower non-smoker rate from some companies. Actually, you may be able to get a non-smoker rate on your policy now, then after you have quit smoking for a year or more go back to the insurer and ask for a re-rate. Or, ask the agent how long do you have to have quit smoking before you get a lower rate for your life insurance. There are some insurance companies that do not require a medical exam or blood test. You can learn more about that at http://www.term-life-online.com And, yes life insurance companies do charge you more if you smoke because smokers have a higher risk of lung and heart disease and chronic conditions that may lead to a shorter life expectancy than people who don't smoker. Smokers may pay 2-3 times more for life insurance than non-smokers.
9. Here http://www.InsuranceFreeTip.info/insurance-for-free.htm ,You should find more useful suggetions and tips for your question.Good Luck for you.