Smokers Advantage Life Insurance

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.

• A 50 year old male applying for $100,000 Term to 100 life insurance:
• What you would have paid as a Smoker = $2,111 per year
• What you will pay for 24 months (non-smoker rate) = $1,262 per year
• Annual savings = $849 (40% savings)

The Highlights:

• Smokers pay the same as non-smokers for 2 years.
• Save Thousands! - Lowest price in Canada for our smokers product.
• Easy to qualify for permanent non-smoker rates.
• 10 day Money-Back Guarantee.