They can probably tell by smelling your breath or looking at your teeth, but no one is gong to challenge what you put on the form.HOWEVERu2026What will happen if you develop a smoking-related illness is that the insurance company can deny coverage based on your fraud when filling out the forms.Thatu2019s they way insurance contracts always work. For example, you could get cheaper car insurance if you tell them your car is a cheaper model. Then, if you have an accident and put in a claim to repair a more costly model, they deny it saying thatu2019s not the car they insured. Or perhaps you have a homeowner policy in which you declared all electrical work had be done by licensed electricians. Then there is a fire and they find you had done some of your own wiring to finish a basement room. Coverage denied.So, no one is going to question your answers. But the insurance will be pretty worthless if you lie on the application. They will accept your statements as fact and take your money, but when it comes time to collect, they can deny payment based on your lies.