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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

Two main hormones drive this process: prolactin and oxytocin

Everything that's happened in my life and how I got to where I am, and how I wanted to get out, how I wanted to, you know, I wanted to tell a story of survival, but also that it hasn't been easy

And I wouldn't marry anyone I didn't love whether he were the dustman or the King of England.' Princess Diana at Charles Spencer's 21st with Prince Charles and sisters, Lady Sarah (far right) and Lady Jane Fellowes Sarah is known for her love of cigarettes, seen here at the Kensington roof Gardens in 1979 Earl Spencer and his first wife with Queen Elizabeth the Queen Mother at Westminster Abbey after the christening of their daughter Sarah, 1955 Sarah also described Charles as a 'romantic who falls in love easily' and revealed that despite their closeness, she always called him 'sir'

Asbestos dust adheres aggressively to clothing, skin and hair