Why do strength insurers ask if you smoke surrounded by their application? How do they know if you are recitation the truth?
i dont think so. and i feel they could tell from the smell, and maybe teeth.
Smoking causes a variety of robustness issues, so although the insurance co may not find out immediately that you do smoke if you lie on the application, they will find out eventually when a form problem arises and when that happens they will drop your insurance. Also, lying on such an application is considered fraud and if they find out about any bygone medical issues they covered could also be due to smoking you could be responsible for paying those claims back to the insurance co.
Answers: If you smoke, then statistically you are more likely to use the coverage, because at hand is more of a health risk associated with smoking. So your premium is sophisticated. If the insurer does an oral swab (where you have to stick the little q-tip thing contained by your mouth) at the time of application, then tobacco use can show up on that. I've had some existence insurance applicants who didn't think we'd find their tobacco use, but it was caught by the swab examination.