Life Insurance for Tobacco Chewers

Life insurance for tobacco chewers can prove a bit complicated because not all life insurance companies view it the same way. Some will elevate your rates while other companies view chew as separate from tobacco usage. Just be honest with your potential insurer about your tobacco usage because failure to do so could result in denial of coverage.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 10, 2021

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The Rundown

  • If you quit tobacco products, chew tobacco or otherwise, you can expect to see your rates decrease in about one year
  • Not all life insurance companies view smoking tobacco and tobacco chew as the same thing
  • Lying to a life insurance company about tobacco product usage can result in your policy’s value decreasing or outright policy denial

It’s no real secret that the use of tobacco products is adversely related to life expectancy. You may be wondering if using tobacco products can also negatively impact what you are paying for life insurance.

Throughout this article, we will be going through how one can get life insurance for high-risk individuals. Specifically, we are going to be covering how to get affordable life insurance for tobacco chewers.

Before we dive into this review on life insurance for tobacco chewers, type your ZIP code into our free and helpful tool above to find life insurance rates for tobacco chewers in your area.

How to Get Life Insurance as a Tobacco Chewer

There’s going to be something stressed here a few times. If you are a tobacco user, i.e. a chewer, you need to be honest with your insurance company about it.

While not all life insurance companies view chewing tobacco as a factor that should increase your rates, being dishonest will have financial ramifications.

Let’s take a look at a video that will shed some light on how life insurance companies view tobacco products such as chew.

For example, say you’ve told them that you do not chew and they offer you a 10-year term policy for a certain rate a month. If they find out you lied, you can expect your policy’s value to drop drastically.

So, we know you can get life insurance as a chewer. Let’s now see if life insurance quotes for tobacco chewers are going to cost you a pretty penny.

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Is life insurance expensive for a tobacco chewer?

We all know that smoking elevates your premiums. According to the University of New Hampshire, smokers pay about $1,000 extra annually. Is this true for smokeless tobacco users?

If you chew tobacco, there’s actually a chance you won’t have to pay any more than you would as someone who doesn’t use tobacco at all.

For example, Prudential, a comparatively large insurer, views smokeless tobacco leniently. This is just one company that allows tobacco chewers to qualify for a non-smoking rating classification. Read this Prudential life insurance review to learn more about the company.

In essence, it all depends on the insurer, but you very well could chew and still get reasonable rates on life insurance.

Let’s wrap up with how quitting chewing tobacco can affect the rates offered by companies that see smoking and chewing as comparable.

Use our free tool to find a life insurance company for tobacco chewers in your area.

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Can quitting chewing tobacco lower my rates?

If you decide to remove tobacco from your life, there’s some good news and not-so-good news when it comes to life insurance premiums.

The good news is that, in time, you will qualify for lower rates. The bad news is, it will take at least a year before you see any difference.

When you buy life insurance for tobacco chewers, it’s just important that you are honest with your insurance company about your usage.

If you fail to tell the truth, it is a near certainty that they will deny you coverage if you try to buy life insurance for a tobacco chewer.

This is because life insurance companies tend to test for nicotine. For some companies, if they find it in your bloodstream, you will at least receive the smoker classification.

So, again, be honest. Just try to find an insurance company that will not make your rates skyrocket for chewing tobacco. And, remember, not all life insurance companies necessarily view smoking and chewing as the same thing.

Find life insurance for tobacco chewers by typing your ZIP code into our free and helpful tool below. You will be able to find the cheapest rates in your area.

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