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THIS OFFER HAS EXPIRED.
If you quit smoking for 12 consecutive months within three years of your life insurance policy issue date, you will receive a refund of the difference between the premiums you paid to date and those you would have paid had you never smoked! Your future premiums will also reflect non-smoker rates.
You must be a Canadian resident, living in Ontario to obtain this coverage.
Highlights of benefits:
- Quit smoking to save money on your life insurance policy.
- Become eligible for a refund if you have a policy less than three years old.
- Have your future payments based on non-smoker rates.
Take advantage of the smoker incentive program and save money!
Smoker Incentive Program Example
Male 45 - $250,000 10 Year Term
Assuming standard risk with current rates including policy fee.
| Year | Smoker | Non-Smoker |
| 1 | $807.50 | $382.50 |
| 2 | $807.50 | $382.50 |
| 3 | $807.50 | $382.50 |
| 4-10 | $807.50 | $382.50 |
If you qualify |
Your |
| At the end of 12 months | $425 |
| At the end of 24 months | $850 |
| At the end of 36 months | $1275 |
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Victor Camba
Senior Financial Advisor
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Please call 416-855-0245 for inquiries.