Fact: 1 in 5 Canadians are currently smokers and 1 in 3 Canadian smokers intend to quit in the next 30 days. Some are once in a year or once a month Cigar user.

We offer plan underwritten by unity life of Canada who realize that many smokers intend to quit smoking. So they have developed a unique permanent life insurance policy (Term 100) 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 as non smokers.

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 as non smoker. To qualify for the continued rate reduction, you simply need to fill out a tobacco usage questionnaire and submit a urine sample. If it found you are smoke free in last 12 months then your rate continues as non smoker else it is changed to smoker rate.

If you are one of them who has a strong will to quit smoking, then this permanent life insurance plan is a good option for you and we can help setup a plan.

What is No Medical Life Insurance?
No medical Life Insurance as name signifies Life insurance without medical examination ie no blood work, no needle tests or urine sample or no medical results from doctor.

Understanding Universal Life Insurance Policy
Universal life insurance plan typically consists of insurance coverage in the form of permanent insurance combined with an investment component (also called Cash Value or surrender value)...