Hypothetical scenario: Middle age male immigrant from Eastern Europe looking for term life insurance. He is considering not revealing that his father died of lung cancer being just a few years older than he is now. Father was smoker. Our friend doesn't smoke at all and is otherwise in good health. He is afraid that family history will dramatically affect insurance rates if he gets insurance at all. So, putting moral and ethical issues aside, to what degree will insurance company track down family history? He's interested to get fully underwritten 10 or 20 years term.