How To Get Life Insurance With Chewing Tobacco Use [2023]
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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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
UPDATED: Feb 28, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Feb 28, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| Policyholder Age | Average Monthly Term Life Insurance Rates for Male Non-Smokers | Average Monthly Term Life Insurance Rates for Male Smokers | Average Monthly Term Life Insurance Rates for Female Non-Smokers | Average 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 |
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.
| Policyholder Age | Average Monthly Whole Life Insurance Rates for Male Non-Smokers | Average Monthly Whole Life Insurance Rates for Male Smokers | Average Monthly Whole Life Insurance Rates for Female Non-Smokers | Average 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 |
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.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
