People who Lie and Tell You There a Non-smoker

I'm insuring a male in his mid forties with Banner life insurance. He is looking for a 400k or so policy for 20 years. He does not have to do a paramed exam.

If he is a smoker and he lies and says he is not, will it be revealed? and if so, how? I want to do things ethically and I think he is being dishonest. But im not sure.

Just wondering how this is handled? Insurance companies must run into this all the time.
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