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Quit Smoking Incentive

John Hancock and AXA each have a Quit Smoking Incentive that can help you close sales on your clients who use cigarettes.

John Hancock allows Standard & Preferred Smoker clients to receive Standard Non Smoker cost-of-insurance (COI's) rates for the first 3 policy years on UL or VUL products. If they provide evidence they have quit smoking for a period of 12 months within these first 3 years, they can have their risk class and policy charges permanently changed to Standard Non Smoker.

AXA's program is is similar, but client's will only be given Standard Non Smoker COI's for the first 12 months.


This is a win-win opportunity to save on premium dollars while clients quit using tobacco! 

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