Life Insurance for Chewing Tobacco Users

Our title is a truism for any avid tobacco chewer, who knows intimately the difference between dip and a cigarette. While there are dangers associated with chewing tobacco including mouth cancer and potential dental problems, there is no comparison to the dangers of smoking. And for the daily tobacco chewer, and now a hand full of more progressive life insurance companies the differences are playing out in policy.

Get the best life insurance rate as a Tobacco chewerJust as the quality of the tobacco is incomparable, so too are the relative dangers of chewing tobacco and smoking. Aside from the difference in the quality of the product is the fundamental difference of not engaging with a burned carcinogen.  For these reasons, and when it comes to life insurance for you tobacco chewers out there, if you are paying the same rates as a smoker you are massively overpaying your life insurance. And when we say massively, we are talking in five digits over the course of your life.

Luckily, if you’re a chewing tobacco user, that doesn’t mean that your life insurance premiums have to break your bank every month. There are plenty of ways that you can get affordable life insurance protection for your family. There are dozens of different factors that the insurance company is going to consider when they are reviewing your life insurance application. If you want to get the best coverage possible, we can help.

Read on for the full story.

If you are just beginning your search for a life insurance policy, and are looking at various options as a tobacco chewer, then this is a great place to start.  In this brief but we hope enlightening post, we’ll walk you through the options, warn you of the pitfalls and the companies to avoid, and give a sense of what you should be paying for your life insurance.

While the majority of insurance providers put people who chew tobacco into the same category as those who smoke, a handful of more progressive firms like Prudential are leading the way for vastly less dangerous habits to be treated as such when it comes to writing a life insurance policy. So while some companies charge so-called tobacco rates, often 2 to 4 times higher than non-tobacco rates, the Prudentials of the world do not.

Bottom line is if you chew tobacco and don’t want to be fleeced on your life insurance policy you should only consider signing on to a policy that puts you in a non-tobacco category. And the best way to compare prices from only those firms is by working with an independent agency that knows who to solicit quotes from and can provide you the widest number of options, and ultimately the very best rates.


Best Life Quote represents over 30 of the nation’s best rated life insurance companies. Within that stable of partners we can hand-select only those firms, and there are a few of them, that will insure all you tobacco dip enthusiasts out there, without the smoker stigma and exorbitant rates.

To give you a concrete idea of the differences, we are going to run through some cost comparisons.

In the case of a typical 20 year term life policy providing $500,000 of coverage for a healthy 45 year old male note the difference in the premiums between companies that impose Tobacco Smoker and Non-Tobacco Smoker rates:

Here is an example of the difference in rate for a $500,000 20 year term policy for a healthy 45 year old male:

The 45 year old male who chews tobacco and gets a non-smoker rate will pay $101 a month:

If the same 45 year old goes with the wrong insurance provider imposing a smoker rate, he would pay $295 per month!

Now let’s do the math over the course of that 20 year term policy. The premium differential  is a whopping $2,328 annually which at the life of the policy will come a total of $46,560. Now think about what you might consider doing with nearly $50,000 extra. A yacht perhaps?

This quick case underscores how critical it can be for people, particularly those in specific categories to only source their insurance policies from aligned companies through experienced independent brokers.

Each insurance company is different, which means all of them are going to view your chewing tobacco using different medical underwriting. Because each company has different criteria, you could receive drastically different rates based one which company that you choose. Picking the right company could be the different between getting declined for coverage versus getting an affordable life insurance policy.

Getting Affordable Life Insurance Coverage

In most cases, life insurance is going to be much more affordable than most applicants think. There are several ways that you can secure lower insurance premiums and keep more money in your pockets.

The first thing that you should do is improve your health through a diet and regular exercise. Both of these can help you lose extra pounds, lower your cholesterol, lower your heart rate, and much more. All of these are going to translate into much lower insurance rates for your policy. Your doctor and your wallet are both going to thank you.

The next thing that you should consider doing is eliminating any tobacco that you use. While you can get affordable life insurance as a chewing tobacco user, if you want to get the most affordable plan, it’s time to kick the habit once and for all. Eliminating chewing tobacco could cut your insurance premiums in half. If you’ve been looking for incentive to quit, this could be the extra push that you need.

The best way to ensure that you’re getting the best plan is to work with one of our independent insurance agents, who represent dozens of companies across the nation. Because of company is different, we can help save you both time and money on your life insurance policy.

There are thousands of different insurance companies on the market, you could spend weeks trying to find the best plan that is going to offer the lowest rates to a chewing tobacco users. Instead of spending hours and hours on the phone calling different agents, let us do all of the work for you. We can bring all of the lowest insurance rates directly to you, without the hassle. We can help you compare quotes and decide which plan is going to work best for you, at an affordable rate.

If you have any questions about life insurance or about the different options available to you, please contact one of our agents today. We would be happy to answer those questions and ensure that you’ve got the best plan for you. You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance protection that your family deserves.

If you have any questions about getting life insurance as a tobacco user, please contact one of our agents today. We would be happy to answer any questions and ensure that you’re getting the best plan to fit your needs.

If you are a tobacco chewer and you are ready to start looking at getting a life insurance policy let us help you find the right quote at a fair rate. To get the ball rolling, just fill out the form on the right or call us toll free at 1-888-552-6159. Your family and your bank account will thank you.

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Liran Hirschkorn is an independent life insurance agent. His mission is to help individuals across the U.S in finding the best rates on life insurance as well as helping those that have previously been declined get approved for coverage. Liran looks forward to speaking with you about your life insurance needs.

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