When you apply for life insurance with no physical, that means there is no physical examination, and no urine or blood tests. They do not test you for nicotine, or if you smoke anything.
However, there are some health questions they will ask, including, if you smoke, how often you smoke, and what you smoke.
No physical life insurance plans may offer limited amounts of life insurance, and the rate you pay may be 10% higher, or more, than you would probably pay for a life insurance plan requiring a physical exam.
However, if you are healthy, you may be able to qualify for up to $300,000 of life insurance without having to take any physical exam. Learn more about life insurance no medical exam required.