Life Insurance for Tobacco Chewers

Life insurance for tobacco chewers will likely be just as expensive as life insurance is for smokers. Most life insurance companies classify any tobacco use as smoking when it comes to policy rates. There are some exceptions. Read more to learn about life insurance rates for tobacco chewers and how you can save on life insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Dec 15, 2020

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Quick Facts

  • Chewing tobacco is a risky lifestyle choice in the eyes of a life insurance company.
  • If you use any type of tobacco product, life insurance companies will classify you as a smoker, and the smoking rates for life insurance will apply to you.
  • You need to stop using chewing tobacco for at least a year to qualify for nonsmoker life insurance rates.

Chewing tobacco is just as dangerous as smoking cigarettes in the eyes of the life insurance companies. Therefore, life insurance for tobacco chewers is classified the same way as smokers by life insurance companies.

Smoker rates for term life insurance policies are much higher than non-smoker rates. The disparity between smoking and nonsmoking life insurance rates increases as your age increases. The longer you wait to quit using chewing tobacco, the more expensive your life insurance rates will get as you age.

Life insurance for dippers may be more expensive, but it is still attainable. If you enter your ZIP code above, you can start comparing life insurance quotes for tobacco chewersin your area.

Not yet ready to buy life insurance for tobacco chewers? Read on to learn more.

What’s the best life insurance for tobacco users?

What does life insurance underwriting for tobacco chewers look like?

Every life insurance company is going to classify tobacco use as a higher risk than non-tobacco users, and each life insurance company follows its own underwriting guidelines.

It is true that nearly every life insurance company will classify tobacco chewers as smokers. Though life insurance for tobacco chewing is typically the same as for smokers, there are a few that might make a distinction.

Prudential and Lincoln Financial are two life insurance companies that are willing to extend Standard Non-Smoking life insurance rates to tobacco chewers as long as they don’t also smoke cigarettes.

Obviously, these better rates are also dependent on a medical exam, your health, and various other factors used in the underwriting process.

Your overall health is going to play a large role in determining your final rate. Smoking and tobacco use affects your overall health, but depending on your situation and health at the time of your application, you can still get great rates.

Hookah and Life Insurance

Can you use hookah and still get nonsmoking rates on your life insurance? This depends on how frequently you smoke hookah, which insurance company you are working with, and what type of life insurance policy you are trying to get.

Most term life insurance policies come with a medical exam. You will be tested for nicotine use. It generally takes a year of abstinence to get nicotine levels to that of a nonsmoker in the opinion of the insurance company.

If you smoke hookah, nicotine will appear on your medical tests. Be honest about your tobacco use. Lying could end up voiding your coverage.

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What are average life insurance rates for tobacco chewers?

Tobacco chewers will typically be classified as smokers when it comes to life insurance policies. Smoking rates go up as you age.

We understand you want the best life insurance for tobacco chewers. View the table below to see how tobacco use affects insurance rates as you age.

Average Monthly Term Life Insurance Rates by Gender & Tobacco Use
Policyholder AgeAverage Monthly Term Life Insurance Rates for Male Non-SmokersAverage Monthly Term Life Insurance Rates for Male SmokersAverage Monthly Term Life Insurance Rates for Female Non-SmokersAverage Monthly Term Life Insurance Rates for Female Smokers
25$14.53$22.88$12.70$19.40
30$14.96$26.19$13.22$21.66
35$17.57$30.10$15.40$24.27
40$21.40$41.76$18.62$33.58
45$26.54$59.07$22.97$47.59
50$36.02$88.39$29.32$67.86
55$50.98$133.98$38.11$97.96
60$84.91$207.84$60.20$158.17
65$144.51$324.42$97.44$257.96
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Will tobacco use affect permanent life insurance rates  Yes. Tobacco use affects whole life insurance policy rates as well. You can see how much of an effect tobacco use has on whole life rates below. Remember, while this table says smoking rates, tobacco chewers are typically classified as smokers.

Average Monthly Whole Life Insurance Rates by Gender & Tobacco Use
Policyholder AgeAverage Monthly Whole Life Insurance Rates for Male Non-SmokersAverage Monthly Whole Life Insurance Rates for Male SmokersAverage Monthly Whole Life Insurance Rates for Female Non-SmokersAverage Monthly Whole Life Insurance Rates for Female Smokers
25$93.70$115.62$84.91$106.84
30$107.71$133.72$97.35$123.71
35$128.24$157.21$112.93$145.81
40$153.90$185.83$132.15$172.09
45$190.79$224.37$156.17$205.76
50$234.90$277.01$191.66$252.21
55$294.84$349.74$243.17$320.51
60$399.24$466.93$311.63$389.41
65$528.00$600.04$421.69$485.37
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The best way to lower your life insurance rates is to quit using tobacco products as soon as possible. The older you get the more your tobacco use will cost you.

Life Insurance for Tobacco Chewers: Final Thoughts

Tobacco use is going to increase life insurance rates. It is a risky lifestyle choice, and insurance companies compensate for that risk by charging higher rates. You might wonder, is there nicotine gum life insurance?

Your insurance company will be happy to see that you are trying to quit using tobacco. Nicotine gum will still show up on your medical exam.

You will need to prove to your life insurer that you are no longer dipping or smoking. Generally, you need to be tobacco free for at least a year before you can go back to nonsmoking rates of life insurance.

Do not try to lie about your tobacco use during your life insurance application. The best life insurance for chewing tobacco users can only be obtained if you tell the whole truth.

You will be tested for nicotine during your medical exam, and if you somehow manage to pass this exam and your insurance company finds out you use tobacco products and lied, you will be dropped from your policy.

Are you ready to start comparing great life insurance rates in your area? Enter your ZIP code below to get the most affordable life insurance for tobacco chewers. Which life insurance company for tobacco chewers is for you? Find out now.

References:

  • https://www.mayoclinic.org/healthy-lifestyle/quit-smoking/in-depth/chewing-tobacco/art-20047428

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