Tobacco users pay about double what non-smokers pay in life insurance premiums. But what makes you a smoker?

  • Any cigarette use at in the last 12 months means the highest smoker premiums
  • Any vaping in the past 12 months means the highest smoker rate
  • Chewing tobacco: some companies i.e. Manulife, give tobacco chewers a rate between smoker and non-smoker
  • Any nicotine substitutes (i.e. gum or the patch) in the past 12 months for most but not all companies
  • Some companies will allow a small number, like less than per month of large cigars and still allow non-smoker rates

Insurance Services we offer: Life Insurance | Term Life Insurance | Creditor (Mortgage) Insurance | Life Insurance for New Immigrants | Non-medical Life Insurance | Manulife Vitality | Permanent Life Insurance Term 100 - Permanent Life Insurance | Universal Life Insurance | Whole Life Insurance | Living Benefits Insurance | Disability Insurance | Critical Illness Insurance | Life Insurance For Business Owners | Corporately Owned Life Insurance | Saving money on life insurance

Camlife Financial Corp serves clients across: Vancouver | Richmond | West Vancouver | North Vancouver | Burnaby | Surrey | White Rock | Langley | Coquitlam | Maple Ridge | New Westminster BC

Get in Touch with Our Financial Advisor who will assist you to choose the right insurance policy.

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