John Hancock’s Protection UL, Premier Life, UL-G and SUL-G products provide a Quit Smoking Incentive – which allows Preferred and Standard Smokers to pay Standard Non Smoker premiums for the first three policy years. Before the end of year three, if the insured shows satisfactory evidence of quitting smoking for 12 consecutive months, he or she will be able to continue to pay the Standard Non Smoker premiums for the lifetime of the policy. To further illustrate the value of the Quit Smoking Incentive program, John Hancock will provide side by side illustrations showing the cost savings your client can achieve if they are serious about quitting. And, if the client chooses not to quit, they’ve still reduced costs over the first three years of the policy, by paying premiums at the Standard Non Smoker rate.
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