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If I am presently being charged a smoker rate for optional life or optional spouse life insurance, can this rate be changed to a non-smoker rate at a later date?

April 26, 2017changed charged life Life Insurance non-smoker presently rate smoker spouse

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If I am presently being charged a smoker rate for optional life or optional spouse life insurance, can this rate be changed to a non-smoker rate at a later date?

1 Answer

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Yes. If the Insured has abstained from the use of tobacco products for at least the past 12 consecutive months, he or she may apply for the preferred non-smoking rate by completing the Manulife Non-smoker Declaration form.