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How Do Insurance Companies Know If You're a Smoker? They don't just rely on what you say. They can check medical tests, records, past applications, and even investigate during a claim. Important IIf you start smoking after purchasing an insurance policy, your existing coverage will generally remain valid, and your claims wont be automatically rejected. However, insurance companies expect How Smoking Affects Your Health Insurance Premiums William Rademacher Agency, Inc. How do insurers know if you smoke? Will they STALK you? How Nicotine Gum Affects Your Life Insurance Rates Long Term Care Insurance and Tobacco Use: #1 Complete Guide to Coverage and Costs Long Term Care Insurance Authority

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