The 1911 census shows Fred age 50, Widower, born Walsden, living with Mary Howarth 59 Head Widow and their sons Arthur 25 and Adam 23, and three grandchildren. They were living in Littletown, Wardle.
The 1901 census shows Fred Smith Head single, born Todmorden, age 40. Farmer own account at home. Mary Howarth mother born Belper, and various children including Mary's from her previous marriage.
The 1891 census in Spotland, Whitworth, Lancashire, shows Fred age 27 lodger born Todmorden, single, domestic servant (not sure I have the right person there)
The 1881 census has him living in Todmorden and Walsden with his parents.
He was never married to my great grandmother Mary Walker/Howarth, but lived with her for decades and fathered many of her children, including my grandmother.
It does sound as though it might not be the same person as in the death certificate. Unless he remarried after Mary died in 1915.
EDIT: There is a Ruth A Howarth born 1880 in Facit, Lancashire. She would be Fred's child, as Thomas Howarth, Mary's previous husband, died in 1875. It was a strange household, sometimes the children would be referred to as Smith and sometimes Howarth, even though Fred was their biological father. On my grandmother's marriage certificate, the father is shown as Fred Howarth, maybe because she was using the surname Howarth even though she was born in 1890, fifteen years after her mother's husband died.