According to a 1996 Statistics Canada survey, 1 in 5 Canadians are current smokers. A further 1 in 3 Canadian smokers intend to quit in the next 30 days.

While most companies charge you a smokers premium rate that is substantially higher than normal non-smoker premium rates, we recognize that many smokers intend to quit. So we’ve developed a unique life insurance policy that allows you to pay non-smoker rates immediately for 24 months. Whether you quit or not, you will have 24 months of substantially reduced premiums.

At the end of 24 months, if you have stopped smoking for at least 12 continuous months, then your premiums will continue for the life of the policy at the non smoker rate. To qualify for the continued rate reduction, you simply need to fill out a tobacco usage questionnaire and submit a urine sample. It’s that easy to qualify for thousands of dollars of savings.