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After completing the application, you will be required to provide additional documentation, such as your medical and prescription records, and most likely will be required to complete a life insurance medical exam During the life insurance application process, the insurance provider has a number of different ways to identify you as a smoker or tobacco user: Testing of Body Fluids As part of your medical exam, a health care professional will usually take samples of your blood, saliva and urine to identify substances present in your body that confirm whether you are a smoker or tobacco user

5 An estimated 4.1% of high school students are current smokeless tobacco users

Smoking exposes the throat to harmful chemicals and irritants, leading to inflammation, dryness, and soreness

Pancreatic hormone secretion in chronic pancreatitis without residual beta-cell function