Can they tell that on your physical for life insurance?
Life insurance companies will ask you on your application for a quote and coverage whether or not you smoke. You should always tell the truth so they don't possibly decline any claim for coverage if you die.
The life insurance company may also require you to take a physical exam, blood and urine tests when you apply for your life insurance policy, depending on your age, the amount of life insurance requested, and the insurance company.
Usually, the life insurance exam will check for nicotine in your system when they perform the blood and/or urine test. Follicle tests can also be used to check for nicotine or continine in your system.
If they find out you smoke when you said you don;t on the application for coverage, the insurance company may change your rate to a higher rate, or decline your life insurance request altogether for lying about it.
You may want to compare rates and plans for term life insurance for smokers to help you find the most affordable life insurance from the highest rated life insurer.
In addition, there are life insurance plans that do not require any physical exam, blood or urine test.
You can get an instant quote and apply online in minutes. You may qualify for up to $500,000 of term life insurance no exam required, just a few health questions. Once approved, you can start your life insurance the same day.
Insurance without any Medical Exam,
Just a Few Health Questions.
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