Liberty, Blowing Smoke in our Faces

Guys, please don't be fooled by Liberty's statement "if you are a non smoker when you take out your policy and start smoking subsequently, you no longer need to inform Liberty of this change". This statement sounds all good and dandy but upon querying on numerous occasions if 'non disclosure' will affect a claim, I have been given the run around. Some Advisers/Salespersons have confirmed that Liberty will fully honor the claim others have confirmed that the 'non disclosure' will affect the claim. I have requested written confirmation on this and many have promised to send the reading material but I am still awaiting the confirmation. My questions are simple: 1. Will Liberty honor my claim in full if my change in smoking status has changed from Non smoker to Smoker after my policy has started ? 2. Will Liberty honor a claim in full if my change in smoking status has changed from Non smoker to Smoker after my policy has started and I have now contracted an illness that may have resulted from smoking? Guys, please go with an insurer who will provide you with clarity you require upfront.