Yes, after 12 months in a row without tobacco or nicotine in any form, including vaping and nicotine replacement. Manulife may ask for information before approving the change.
Can I switch to non-smoker rates?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about Term 20 Life Insurance
A premium that stays the same for 20 years, renewing to age 90.
More questions about Term 20 Life Insurance
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