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Buying and consuming reserve cigarettes is legal for adult Canadians

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Key takeaways Life insurance provides a one-time, tax-free payout to your beneficiaries after your death The amount you pay (your premium) is based on factors such as your age, sex, health, smoking status and lifestyle factors Premiums for smokers are almost double those of non-smokers Its critical to answer your smoking status truthfully or your policy may be voided or the death benefit not paid out After youve quit smoking for 12 months, you can apply for non-smoking rates for your life insurance policy Even as a smoker, its still possible to protect your family with life insurance How life insurance works Life insurance provides a one-time, tax-free death benefit to your chosen beneficiary when you pass away