You Would Die for Your Family—But Why Not Live for Them? Here's how (Manulife Vitality)

Get insurance. Get healthy. Get rewards.

This past week, I met with a prospect looking for new life insurance. Her existing policy was maturing, and the renewal rate was simply too high.

As we reviewed her situation, we uncovered a few key factors: she was a smoker, had a median income, no savings, and no assets.

The human side of me wanted to ask—have you considered quitting smoking? When paired with Manulife Vitality, the decision becomes even more compelling.

In nearly all cases, a smoker's life insurance rate is almost double that of a non-smoker.

However, Manulife Vitality rewards progress. If she were to quit, she could earn points within the program for doing so, improving both her health and her insurance costs.

After 12 months smoke-free, she would be eligible for a reassessment—potentially reversing her rating to non-smoker status and dramatically reducing her premiums.

By quitting, she would:

✅ Reclaim the money previously spent on cigarettes

✅ Lower her life insurance premiums back to a standard rate

✅ Boost her Manulife Vitality tier for additional savings

✅ Create an opportunity to invest the money saved

So, I ask you—are you willing to live for your family?

Please send me a note if you want to know more.

-Liam