How To Get Life Insurance With Chewing Tobacco Use [2023]

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 life insurance for smokers.

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.

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.

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.

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.

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Case Studies: Life Insurance for Tobacco Chewers

Case Study 1: John’s Journey to Affordable Life Insurance

John, a tobacco chewer, was concerned about the high cost of life insurance due to his tobacco use. He decided to explore his options and found that most life insurance companies classified tobacco chewers as smokers, resulting in higher rates.

However, John discovered that Prudential and Lincoln Financial were exceptions to this rule. They were willing to offer him standard non-smoking rates as long as he didn’t smoke cigarettes.

John underwent a medical exam and provided his complete health information, which played a significant role in determining his final rate. By being honest about his tobacco use and choosing the right insurance companies, John was able to secure affordable life insurance coverage.

Case Study 2: Sarah’s Challenge With Hookah and Life Insurance

Sarah enjoyed smoking hookah occasionally but was concerned about its impact on her life insurance rates. She learned that qualifying for non-smoking rates while using hookah depended on several factors, such as the frequency of use, the insurance company’s policies, and the type of policy she wanted.

Since most term life insurance policies required a medical exam, Sarah knew that nicotine would appear in her test results. She decided to be honest about her tobacco use and disclosed her hookah smoking habits during the application process.

Sarah understood that lying about tobacco use could lead to serious consequences, including policy cancellation. By providing transparent information and working with an understanding insurance company, Sarah obtained the life insurance coverage she needed.

Case Study 3: Mark’s Journey to Quitting and Lowering Life Insurance Rates

Mark had been a long-time tobacco chewer and realized that his life insurance rates were continuously increasing as he aged. Concerned about the financial burden it posed, he made the decision to quit using tobacco products. Mark knew that quitting would not only improve his health but also potentially lower his life insurance rates.

After successfully quitting tobacco, Mark waited for a year to ensure his nicotine levels were comparable to those of a non-smoker. He then applied for life insurance and underwent a medical exam, where he provided accurate information about his tobacco use history.

Mark’s commitment to quitting and his improved health played a significant role in securing more favorable rates for his life insurance policy. Mark’s case demonstrates the importance of quitting tobacco use to lower life insurance rates.

By taking proactive steps to improve his health and being transparent during the application process, Mark was able to find affordable life insurance coverage that reflected his healthier lifestyle.

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