If you’re a smoker, you may think you won’t qualify for life insurance coverage.
At John Hancock, believes everyone deserves access to affordable life insurance, whether they’re perfectly healthy, working on getting healthier, or even living with a chronic condition.
John Hancock has a one of a kind Vitality program. Vitality can help you save up to 15% off your premium and offers cash back rewards for the everyday choices you make to live healthy. This includes things like working out, buying fresh produce, or participating in a smoking cessation program.
In addition to the health benefits, quitting smoking can also reduce your life insurance rates. After the second policy year (policy years 3+), if you have not used tobacco or nicotine for at least 12 months and have not had a significant change in health, you can request a rate reconsideration by undergoing reevaluation. Reach out to me to discuss your options, contact larry@larrycarlin.net #lifeinsuranceforsmokers
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