Affordable Life Insurance for Tobacco Chewers
The cost of life insurance for tobacco chewers starts around $26 per month on average. Some providers might quote you for smoker rates if you chew tobacco, which can cost over $100 more per month than non-smoker rates. However, companies like Securian, Lincoln Financial, and others offer non-smoker rates to tobacco chewers. Lying about your tobacco use on your application could jeopardize your death benefit.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right 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 provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Nov 27, 2023
It’s all about you. We want to help you make the right 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 provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Some providers sell life insurance for tobacco chewers at the non-smoker rate
- Life insurance at the smoker rate can cost an additional $100 or more per month
- Chewing tobacco causes high-risk health issues that may affect your premiums
On average, life insurance for tobacco chewers costs about $26 per month. However, your rates depend on your age, medical history, health status, and the provider you choose.
Below, learn why smokeless tobacco users should look for companies that charge non-smoker premiums and compare sample life insurance rates.
When you’re ready to buy life insurance for tobacco chewers, enter your ZIP code into our free quote tool above.
What are the average life insurance rates for tobacco chewers?
Life insurance quotes for tobacco chewers vary depending on what provider you go through.
Some insurance companies charge smoker rates even if you use chewing tobacco.
Others recognize that chewing tobacco does not pose the same health risks as smoking tobacco and will quote you with non-smoker rates.
If you chew tobacco, you’ll want to secure non-smoker rates, or you risk much higher premiums.
See what we mean in the table below, which compares non-smoker rates to smoker rates for a 20-year term life insurance policy with a $250,000 death benefit.
Average Monthly Term Life Insurance Rates for Non-Smokers vs. Smokers
| Age | Average Monthly Rates for Non-Smokers | Average Monthly Rates for Smokers |
|---|---|---|
| 25-years-old | $11.98 | $34.21 |
| 30-years-old | $12.12 | $38.04 |
| 35-years-old | $12.64 | $43.56 |
| 40-years-old | $16.59 | $62.37 |
| 45-years-old | $24.78 | $94.67 |
| 50-years-old | $35.28 | $143.87 |
| 55-years-old | $55.18 | $217.28 |
| 60-years-old | $91.80 | $334.58 |
| 65-years-old | $167.37 | $578.74 |
If a company chooses to charge you the smoker rates, it becomes much harder to secure affordable life insurance for tobacco chewers.
Fortunately, companies like Prudential Life Insurance Company, Securian Financial, and Lincoln Financial underwrite non-smoker rates for tobacco chewers.
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How does chewing tobacco impact life insurance?
According to the Centers for Disease Control and Prevention (CDC), nearly 5.9 million Americans use chewing tobacco.
Unfortunately, many people wrongly assume chewing tobacco is healthier than smoking tobacco, but evidence proves this is untrue.
Not only does it increase your chances of certain kinds of cancers, but it also puts you at risk of serious bacterial infections.
You also risk:
- Mouth cancer
- Gum disease and tooth loss
- Addiction
Insurance providers are aware of the negative health implications, and some are unwilling to take on such a risk without charging higher rates.
Some companies require blood or urine tests. Often, if there’s no nicotine in your system, you’ll get the non-smoker rate.
Don’t lie on your application about your tobacco use. Not only is it insurance fraud, but your beneficiary may lose the death benefit as a result.
If you quit chewing tobacco, it may take one to three years before certain companies sell you non-smoker premiums.
Case Studies: Affordable Life Insurance for Tobacco Chewers
Case Study 1: Securing Non-Smoker Rates
Mark, a tobacco chewer, was concerned about the potential impact of his habit on his life insurance rates. After researching various insurance providers, he discovered that some companies, such as Securian and Lincoln Financial, offer non-smoker rates to tobacco chewers.
Mark decided to opt for a policy from one of these companies, saving over $100 per month compared to smoker rates and ensuring his coverage remained affordable.
Case Study 2: Transparent Tobacco Use Disclosure
Emily, a tobacco chewer, was eager to find affordable life insurance coverage without compromising her benefits. She understood the importance of honesty on her application and disclosed her tobacco use transparently. By doing so, she secured a policy with reasonable non-smoker rates from Prudential Life Insurance Company.
Emily’s upfront honesty not only protected her coverage but also ensured her beneficiary would receive the full death benefit.
Case Study 3: Exploring Options for Affordable Coverage
Alex, a tobacco chewer, was exploring life insurance options but was concerned about the potential impact of his habit on premiums. He compared quotes from various insurance companies and learned about the differences between smoker and non-smoker rates.
By carefully considering the options, Alex found a policy that offered affordable non-smoker rates from a reputable provider, providing him with the peace of mind he sought.
Life Insurance for Tobacco Chewers: The Bottom Line
Overall, you can secure cheap life insurance rates for tobacco chewers as long as you take the time to research provider’s policies ahead of time.
To get your lowest rates, find a life insurance company for tobacco chewers that recognizes that smokeless tobacco is different from cigarettes.
You can find affordable life insurance for tobacco chewers right now by entering your ZIP code into our free rate tool below.
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Frequently Asked Questions
Can life insurance rates be lowered for tobacco chewers?
While rates may not be the same as non-tobacco users, improving health and considering quitting tobacco can potentially lower rates.
Are there alternatives to traditional life insurance for tobacco chewers?
Some companies offer specialized policies like guaranteed issue life insurance, but they may have limitations and higher premiums.
How long do tobacco chewers need to quit before qualifying for non-smoker rates?
It may take 1-3 years of being tobacco-free for certain companies to consider you a non-smoker.
Will lying about tobacco use on the application affect coverage?
Lying about tobacco use is insurance fraud and can jeopardize coverage and the death benefit.
Can tobacco chewers get life insurance at non-smoker rates?
Yes, some companies offer non-smoker rates to tobacco chewers, such as Prudential, Securian, and Lincoln Financial.
How does chewing tobacco impact life insurance?
Chewing tobacco increases health risks and can lead to higher premiums due to cancer, infections, and other health issues.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed 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.