If you smoke and are looking to buy life insurance in Canada, you can expect to pay a much higher premium than a non-smoker does. On term policies, the premiums can be more than double, and on permanent plans, the difference in rates is less pronounced. The insurance definition of a smoker is a male or female who uses nicotine, including cigarettes, cigars, chewing tobacco, a nicotine patch, or nicotine gum. Remember that to qualify for preferred rates, the insurance company can look back up to 12 months. Rates can be up to double for smokers on term plans, but only about 25% higher on permanent plans.
Community News
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Fight Colds & Flus
Your immune system needs a strong thymus and spleen to produce antibodies and specialized white blood cells that help prevent disease.
Do you know how yours are functioning?
Nutritional testing or Biofeedback are great ways to find out if there is a
weakness or imbalance in these immune organs.
If a weakness or imbalance is identified, specific nutrient formulations designed to naturally support and strengthen the thymus, spleen and immune system can be taken.
This will help you to better fight against influenza, rhinovirus (common cold), pneumonia, and other bacterial infections – or avoid them altogether.
Fight Colds & Flus
Your immune system needs a strong thymus and spleen to produce antibodies and specialized white blood cells that help prevent disease.
Do you know how yours are functioning?
Nutritional testing or Biofeedback are great ways to find out if there is a
weakness or imbalance in these immune organs.
If a weakness or imbalance is identified, specific nutrient formulations designed to naturally support and strengthen the thymus, spleen and immune system can be taken.
This will help you to better fight against influenza, rhinovirus (common cold), pneumonia, and other bacterial infections – or avoid them altogether.
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Smoking & Your Life Insurance Policy
If you smoke and are looking to buy life insurance in Canada, you can expect to pay a much higher premium than a non-smoker does. On term policies, the premiums can be more than double, and on permanent plans, the difference in rates is less pronounced. The insurance definition of a smoker is a male or female who uses nicotine, including cigarettes, cigars, chewing tobacco, a nicotine patch, or nicotine gum. Remember that to qualify for preferred rates, the insurance company can look back up to 12 months. Rates can be up to double for smokers on term plans, but only about 25% higher on permanent plans.
