Home Life insurance Risk factors Can you hide smoking from life insurance companies? Can you hide smoking from life insurance companies? Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: October 8, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Lying about smoking on a life insurance policy may seem like a way to save money on premiums, but it can backfire in serious ways. If the insurer discovers your dishonesty, either during the application process or within the contestability period, they can cancel your policy or deny claims—leaving your loved ones without the financial protection they need. Even after the contestability period, if the truth comes out, it could still cause complications and delays in claim payouts. Being upfront about your smoking status ensures your policy is valid and that your family is protected when it matters most. Key Takeaways Insurance companies have multiple ways to verify your smoking status, including medical exams, reviewing medical records, and checking third-party databases, making it difficult to successfully hide your habit. Lying about smoking can lead to serious consequences, such as policy cancellation, denied claims during the contestability period, and potential financial hardship for your beneficiaries. Honesty is the best approach when applying for life insurance — while smokers may face higher premiums, being truthful ensures your policy remains valid and your loved ones are fully protected. What happens if you lie about smoking on your life insurance application? Lying about your smoking status might seem like a tempting way to get lower premiums, but it can have serious consequences. Insurance companies take smoking very seriously because it significantly increases health risks, and if they discover that you’ve misrepresented yourself, it can lead to policy cancellations or denied claims. If you lie about smoking and the insurance company uncovers the truth during the application process, your policy could be voided before it even starts. Most insurers conduct thorough background checks, which may include reviewing medical records or requiring a medical exam. Even if you manage to secure a policy initially, insurers can still contest claims if they discover your dishonesty during the contestability period, which typically lasts two years. If you pass away during this time, and it’s revealed that you were a smoker, your beneficiaries might not receive the death benefit. Beyond the financial risks, lying on a life insurance application can also lead to legal consequences. Insurance fraud is a serious offense, and misrepresenting yourself intentionally could result in fines or other legal penalties. It’s always best to be honest when applying for life insurance, even if it means paying a higher premium. This ensures that your policy will be honored when your family needs it the most. How do insurance companies check if you smoke? Insurance companies use several methods to verify whether an applicant smokes. One of the most common ways is through a medical exam, which may include testing for nicotine or its byproducts, like cotinine, in your blood, urine, or saliva. Even if you claim to have quit smoking, these tests can detect nicotine for several days or weeks, depending on how much and how often you used tobacco. Some companies may also request access to your medical records, which could reveal a history of smoking or treatments related to smoking-related illnesses. As no-medical-exam life insurance policies become more and more popular, insurers have also started to use technology to verify smoking status. Many insurance companies run reports from third-party databases that aggregate data from health and lifestyle sources. These reports can reveal previous life insurance applications or claims, which might include information about your smoking status. If any discrepancies are found between what you’ve stated and what these databases show, it can lead to higher premiums or even denial of coverage despite the lack of a medical exam. Honesty is essential, as lying about smoking can still result in policy cancellation if discovered later. Do life insurance premiums increase if you begin smoking after buying a policy? If you start smoking after you’ve already secured a life insurance policy, the good news is that your premiums won’t automatically increase. Most life insurance policies are based on the information you provide at the time of application, and as long as you were truthful when you applied, your rates are locked in. Life insurance companies generally don’t reassess your risk or adjust premiums after the policy is in place unless you apply for additional coverage or switch policies. However, if you decide to apply for a new policy or add riders to your existing coverage, your smoking habit will come into play. In these cases, you’ll likely be classified as a smoker, which could result in higher premiums. It’s important to note that if you lied about smoking on your original application and the insurer later finds out, they could potentially cancel your policy or deny claims, even if you started smoking after the fact. Honesty is key to avoiding complications down the road. QuickTake Life insurance for people with dementia How to buy life insurance after being diagnosed with cancer Life insurance for people with depression or anxiety Life insurance for people with bipolar disorder Life insurance for down syndrome Life insurance for people with autism How to buy life insurance when you have high blood pressure Life insurance for parents of children with special needs Life insurance for diabetics Life insurance for overweight people Life insurance for people with HIV How alcohol use affects your life insurance premiums Life insurance for people with diabetes When is it too late to buy life insurance? Your life expectancy Cigar smokers see the best life insurance rates drift away Life insurers shrug at assisted suicide How a history of mental illness affects your life insurance rates How blood pressure and cholesterol affect life insurance rates See more > How quitting smoking can lower your life insurance premiums Quitting smoking can significantly lower your life insurance premiums over time. When you first apply for life insurance, smokers are typically charged much higher rates than non-smokers because of the increased health risks associated with smoking. However, if you quit smoking and maintain a smoke-free lifestyle for a certain period, many insurers will reconsider your status and may lower your premiums to reflect your improved health outlook. Most insurance companies require that you have been smoke-free for at least 12 months before they will consider reclassifying you as a non-smoker. Some may require up to two years or more, depending on their specific policies. Once you’ve reached this period, you can contact your insurer and request a review of your policy. This may involve answering health-related questions or possibly undergoing a medical exam to confirm that you no longer use tobacco. If the review goes well, your premiums could be adjusted to reflect the rates offered to non-smokers, which can result in significant savings. It’s important to note that the process of getting reclassified isn’t automatic—you must take the initiative to notify your insurance company and provide the necessary evidence. Additionally, the longer you remain smoke-free, the more favorable your rates are likely to be. Not only can quitting smoking improve your overall health and longevity, but it can also provide substantial financial benefits when it comes to your life insurance. How to buy life insurance if you’re a smoker Buying life insurance as a smoker can be more expensive, but it’s still entirely possible to secure a policy that meets your needs. The key is understanding how insurers evaluate smokers and being strategic about your choices. When you apply for life insurance, the company will ask about your smoking habits and may require a medical exam to test for nicotine or cotinine. Being honest about your smoking status is crucial, as lying can result in your policy being canceled or claims denied if the truth is uncovered. As a smoker, it’s important to compare quotes from multiple insurers. Different companies assess risk in different ways, and some may offer more favorable rates to smokers than others. Be prepared for higher premiums, as smokers are considered a higher risk due to the potential for smoking-related health issues. However, some insurers offer “preferred smoker” rates for individuals who are otherwise in good health, so maintaining a healthy lifestyle in other areas can work in your favor. If you’re planning to quit smoking, it’s worth exploring policies that allow for future reclassification. Many insurers will reduce your premiums after you’ve been smoke-free for a certain period, typically 12 to 24 months. You can lock in coverage now while paying smoker rates, then request a reevaluation once you’ve quit smoking for good. This way, you’ll have the protection you need, and there’s the potential for savings down the line as you improve your health. Frequently asked questions Do I have to tell my life insurance company if I start smoking after getting coverage? No, informing your insurer if you start smoking after purchasing the policy is not mandatory. It will not affect the price of the policy because once a policy is issued, an insurer cannot raise prices for any changes in your lifestyle. Do life insurance companies test for nicotine? Yes, life insurance companies screen for both nicotine and cotinine, a byproduct of nicotine, during the medical exam. These substances are detected through blood and urine samples. If either is found in your system, you’ll be classified as a smoker and charged smoker rates. Does smoking void a life insurance policy? Smoking will only void your policy if you lied about it and the insurer discovers this during the contestability period. However, if you start smoking after your policy is in place, that’s a different situation. The most important factor is being honest on your application—any misrepresentation can lead to serious consequences. × Get Free Life Insurance Quotes Today! Zip Code Please enter valid zip Age Age 16 – 20 21 – 24 25 – 34 35 – 44 45 – 54 55 – 64 65+ Coverage Amount Coverage Amount $50,000 – $100,000 $100,000 – $200,000 $200,000 – $300,000 $400,000 – $500,000 $500,000 – $1,000,000 $1,000,000 – $2,000,000 $2,000,000 – $5,000,000 $5,000,000+ Coverage Type Coverage Type Whole Life Term Life Final Expense Not Sure Gender Gender Male Female Non-Binary Tobacco Use Yes No Compare Quotes Prachi SinghContributing Researcher  . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Related Articles Term Life Insurance Index: Sales rise by 1% in Q2, reaching record high By Nupur Gambhir How much term life insurance costs By Huma Naeem The 10 largest life insurance companies By Chris Kissell How to get life insurance if you’re uninsurable By Penny Gusner What to avoid before the life insurance medical exam By Desiree Ghazi Life insurance for people with dementia By Satta Sarmah-Hightower On this page What happens if you lie about smoking on your life insurance application?How do insurance companies check if you smoke?Do life insurance premiums increase if you begin smoking after buying a policy?How quitting smoking can lower your life insurance premiumsHow to buy life insurance if you're a smoker Frequently asked questions ZIP Code Please enter valid ZIP See rates