In the comprehensive guide, we will review the best Life Insurance for Smokers in Canada and it is most certainly Foresters Financial, also known as Foresters Life is the smokers choice and provides smokers with a great opportunity to save money and improve their health by quitting smoking. The benefits of quitting smoking are not only limited to health but also extend to financial security, as Foresters Financial offers attractive incentives for smokers to quit. Taking advantage of Foresters Life Insurance provides Canadians with a real smokers friendly life insurance plan.
Embracing a healthier lifestyle and quitting smoking can lead to significant savings and a more secure financial future, especially with the enticing incentives offered by Foresters Financial. Did we mention that these policies grow with cash value? The cash value is different for each of the Foresters' permanent policies. To see an example of the cash values in the Forester Life Insurance policy contact us today.
If you are a smoker, you may be concerned about whether you can obtain life insurance. Generally, smokers can still get coverage, but their premiums are usually higher compared to non-smokers. However, with Foresters Financial, smokers can explore options for life insurance tailored to their needs. The company offers life insurance for smokers, including policies that provide financial security and peace of mind for smokers and their families. With Foresters Financial, smokers can find tailored life insurance solutions that protect their loved ones but also offer financial security despite being smokers. Smoker life insurance offered by Forester Financial is the most affordable life insurance for a smoker in Canada.
The good news is that Foresters Financial™ offers an enticing incentive for smokers to kick the habit and embrace a healthier lifestyle. With the support of Foresters Life, which is the smoker's choice for life insurance in Canada. Smokers can access valuable resources and support to aid their journey toward smoking cessation. The company's commitment to the well-being of its members is evident through the comprehensive smoking cessation programs and benefits it offers. Foresters Financials' commitment to supporting smokers in their journey towards quitting is reflected in the valuable resources and comprehensive programs it provides.
Quit Smoking Incentive Plan
Foresters Financial Advantage Plus Participating Whole Life and Non-Par Whole Life products come with a Quit Smoking Incentive Plan. Smokers automatically receive lower rates for the first two years of their certificate. And if they quit within this period, those lower premiums can continue. It’s a powerful incentive to stop smoking, giving you the chance to potentially save thousands of dollars as well as live a healthier lifestyle. Depending on your product and premium payment period, the savings could add up to thousands of dollars over the first 2 years. The Quit Smoking Incentive Plan offered by Foresters Financial provides a powerful motivation for smokers to quit, potentially leading to substantial savings and a healthier lifestyle.
How Much Can I Save with Foresters Financial?
🚬 Smoker's Rate:
Foresters Financial - $100,000 = $84.78 (Cost for two years = $2034.72)
🚬 Next Best Smoker's Rate:
Co-operators Life - $100,000 = $129.51 (Cost for two years = $3108.24)
✔ Total savings in the first two years with Foresters = $1073.52
or a monthly savings of $44.73
🚬 Smoker's Rate:
Foresters Financial - $100,000 = $180.18 (Cost for two years = $4,324.32)
🚬 Next Best Smoker's Rate:
Co-operators Life - $100,000 = $260.64 (Cost for two years = $6,255.36)
✔ Total savings in the first two years with Foresters = $1931.04
or a monthly savings of $80.46
🚬 Smoker's Rate:
Foresters Financial - $100,000 = $144.63 (Cost for two years = $3,471.12)
🚬 Next Best Smoker's Rate:
Co-operators Life - $100,000 = $203.76 (Cost for two years = $4,890.24)
✔ Total savings in the first two years with Foresters = $1,419.12
or a monthly savings of $59.13
By taking advantage of Foresters Financials Quit Smoking Incentive Plan, individuals like Azim, David and Dorothy can not only save money on their life insurance premiums but also improve their overall health and well-being. This unique program not only provides financial incentives but also supports individuals in their journey toward a smoke-free life, ultimately leading to a healthier and more secure future for themselves and their loved ones. With Foresters Financial, the decision to quit smoking is beneficial for the individual and their entire family, making it a truly impactful and rewarding choice.
With the quitting smoking incentives on new Foresters Life insurance policies, even if you decide not to quit, you enjoy lower premiums for the first 24 months. By quitting smoking, you can enjoy the benefits of not smoking, such as improved health and financial savings, through the Foresters Financials Quit Smoking Incentive Plan. This plan provides support and incentives for individuals to lead a smoke-free life, leading to a healthier and more secure future for both the individual and their loved ones.
Can I Keep the Foresters Incentives?
Yes, as long as you have successfully maintained a non-smoking and non-nicotine lifestyle for 24 months you keep the lower rates for the life of your Forresters policy. To qualify for and maintain the Foresters incentive rates you must have abstained from any nicotine products, including smoking cessation medications like pills, puffers, nicotine patch, nicotine gum, vaping, e-cigarettes, small cigars, cannabis, or any other nicotine products including all smoking cessation treatments. Foresters will mail you a non smoking declaration form near the end of the first two years of a new Foresters smokers policy. Foresters will request a urine sample from an authorized provider of medical services and a signed affidavit stating that you have not used any nicotine-related products or smoking cessation products during this period. If you complete this process in the timeframe stated, then you can continue to enjoy the savings for the lifetime of your Foresters policy.
Benefits of Stopping Smoking
Many benefits exist by stop smoking, like improving both your physical and financial well-being. Firstly, your health will significantly improve after quitting smoking. Within just 20 minutes of quitting, your heart rate and blood pressure drop. Within 12 hours, the carbon monoxide level in your blood drops to normal. Within 2-12 weeks, your circulation improves and lung function increases. Over time, your risk of developing various health conditions such as lung cancer, heart disease, and stroke decreases. That nagging smokers lungs and smokers cough soon goes away leading to a longer and healthier life.
Secondly, quitting smoking can save you a substantial amount of money. The cost of cigarettes adds up quickly, and by quitting, you can save a significant portion of your income. Additionally, you'll save money on healthcare costs due to smoking-related illnesses. These savings can be used for more fulfilling and enjoyable activities, ultimately contributing to a better quality of life. By quitting smoking, you can enjoy the benefits of not smoking, such as improved health and financial savings, through the Foresters Financials Quit Smoking Incentive Plan.
Finally, quitting smoking means you will no longer smell like smoke. Your clothes, hair, and breath will be fresher, your stained smokers teeth will eventually subside and you'll no longer have to worry about the social stigma associated with smelling like smoke. Your spouse will enjoy the lack of smokers lips when you kiss. This can lead to improved self-esteem and confidence in social situations, as well as better overall hygiene and cleanliness.
More Quitting Smoking Benefits
After a few short weeks of being a new non-smoker, you will be amazed at how good food tastes. The enhanced sense of smell that many new non-smokers experience can be invigorating, allowing them to fully appreciate the pleasures of food and other senses. It's truly remarkable how the simple act of quitting smoking can lead to such a positive transformation in one's sensory perception.
The benefits of quitting smoking extend beyond just improved health and financial savings. You'll also experience a boost in energy levels and overall physical fitness, as your body begins to repair itself from the damage caused by smoking. This can lead to a more active and fulfilling lifestyle, with the ability to engage in activities that were once hindered by smoking-related health issues. Overall, quitting smoking can lead to a happier, healthier, and more vibrant life.
Quitting smoking also means reducing the risk of developing serious health conditions such as heart disease, lung cancer, and respiratory issues. By taking control of your health and well-being, you can enjoy a longer and more fulfilling life with your loved ones. The decision to quit smoking is a powerful step towards a healthier future for yourself and those around you. Forester Financial is the best smokers life insurance in Canada.
In addition to the physical benefits, quitting smoking can also have a positive impact on mental health. Many individuals report feeling less anxious and stressed after quitting, leading to improved overall well-being. This can result in better relationships with loved ones and a more positive outlook on life. Overall, the decision to quit smoking can lead to a happier, healthier, and more fulfilling future for both the individual and their families.
By quitting smoking, individuals can also save a significant amount of money that would have otherwise been spent on cigarettes. This financial freedom can open opportunities for travel, hobbies, or other experiences that were previously out of reach. Additionally, the positive impact of quitting smoking can serve as a source of inspiration for others who may be considering making the same healthy choice. Overall, the decision to quit smoking is a powerful and transformative step towards a brighter and more fulfilling future.
Foresters Financial is proud to be the exclusive provider of this unique permanent insurance in Canada. Foresters firmly believe that the advantages of giving up smoking are truly abundant and cannot be overlooked. Coupled with cash value growth, and the ability for policy loans these whole life plans are among the best Canada has to offer. Foresters’ permanent insurance is ideal for covering, funerals, final expenses, estate taxes, loans, and legacy money to a church or other charitable organization or simply to leave to a loved one.
Foresters Financial is committed to helping people lead healthier and more fulfilling lives by providing support and resources for individuals looking to quit smoking. With the right tools and encouragement, anyone can take the powerful step towards a smoke-free future, reaping the physical, mental, and financial benefits that come with it. Join us in deciding to quit smoking and embrace a brighter, healthier future for yourself and your loved ones. See how affordable Foresters stop smoking life insurance is and benefit from finally becoming a non smoking Canadian. Contact us today for the best Life Insurance for Smokers in Canada quotes.