I have a physical coming up, and I'm debating telling my doctor if i smoke, or how much I smoke. I was wondering what you guys tell your Dr. Another question I have is with Life Insurance. Of y'all who have life insurance, do they know that you smoke, and how much? How much of a finacial impact does this make on your premiums for both health insurance and life insurance? If this is treading on your personal info then don't worry about posting anything.