Even if the broker filled in the forms, you presumably signed a final version? If so (and I think that's the only way the lifs co.s will accept a form - it can't be fully completed without the signature of the life insured), you would have had whatever consequences would have been applied if you had deliberately lied - although you may have had some comeback (suing) against the broker if you could prove it was his mistake and that you could not reasonably have been expected to check for this mistake. If you were otherwise healthy and acceptable, the most likely sanction would have been a reduction of cover to the level that your premium would have bought for a smoker - i.e. if you paid 100 per month for 500,000 cover as a non-smoker, 100 per month might buy 350,000 cover for a smoker so that would be what you would have got. I don't think you would have received nothing - nulling contracts for non-disclosure is usually only done if whatever wasn't disclosed would have meant the policy wasn't issued in the first place - e.g. history of heart trouble, investigation of a breast lump etc.