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how do insurance companies check tobacco use

how do insurance companies check tobacco use insurers know if you smoke? Will they STALK you? ๐Ÿ‘€ Will insurance cover nicotine patches? โ€“ Do Life Insurance Companies Test

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how do insurance companies check tobacco use insurers know if you smoke? Will they STALK you?  Will insurance cover nicotine patches?  Do Life Insurance Companies Test
how do insurance companies check tobacco use insurers know if you smoke? Will they STALK you?  Will insurance cover nicotine patches?  Do Life Insurance Companies Test
how do insurance companies check tobacco use insurers know if you smoke? Will they STALK you?  Will insurance cover nicotine patches?  Do Life Insurance Companies Test
how do insurance companies check tobacco use insurers know if you smoke? Will they STALK you?  Will insurance cover nicotine patches?  Do Life Insurance Companies Test
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