Top Life Insurance Companies That Allow Chewing Tobacco (2024)
There are a handful of life insurance companies that allow chewing tobacco users to qualify for non-smoker life insurance rates. Many life insurance companies will charge chewing tobacco users the same rates as smokers because there are still health risks if you chew or dip.
Free Life Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Sep 14, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our 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: Sep 14, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our 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 life insurance providers will offer non-smoker rates to those who only chew tobacco
- Life insurance rates for smokers can be more than double that of non-smokers
- If you don’t qualify for non-smoker life insurance rates, a no-exam life insurance policy is an option
If you’ve quit smoking but still chew or dip, you might wonder if there are any life insurance companies that allow chewing tobacco. One of the top 10 insurance complaints is paying too much. This happens to many smokers.
Nobody wants to overpay for insurance. We’ll help by identifying non-smoker rates for smokeless chewing tobacco. We’ll also cover the cost difference between a smoker and non-smoker, and much more.
Before you rush to learn more about life insurance companies that allow chewing tobacco, enter your ZIP to get free insurance quotes from top providers near you.
Are there any life insurance companies that allow chewing tobacco?
Many life insurance companies do offer policies for those who use chewing tobacco. Unfortunately, most of those companies treat chewing tobacco the same way they treat smoking other tobacco-related products.
It’s well-documented that smokers’ life insurance rates are higher than non-smokers. Sometimes, rates are more than double the monthly price.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What’s the best way to get affordable life insurance for tobacco chewers?
Finding the most affordable life insurance for chewing tobacco users isn’t easy. It’s rare to find cheap life insurance for smokers, and for good a reason.
There are many health risks if you chew or dip, including cancer. For this reason, the Centers for Disease Control and Prevention says that smokeless tobacco is not a safe alternative to smoking.
Compare Quotes From Top Companies and Save Secured with SHA-256 Encryption
Are there life insurance companies that will consider smokeless tobacco users as non-smokers?
Thre may be some life insurance providers that offer non-smoker rates for chewing tobacco users that don’t smoke cigarettes. However, there is little evidence to support this with most companies.
That said, Farm Bureau and Cincinnati Life both claim to offer non-smoker rates on their websites. However, neither company made our top 10 insurance companies.
As always, there are some policy restrictions, but you could save a lot if you are eligible.
So, how are smokers defined for life insurance? This depends on the company. Some companies will classify any tobacco user as a smoker. Others might let chewing tobacco or similar products slide.
How to get affordable life insurance if you chew or dip tobacco?
If you’re a tobacco user, your first step to getting affordable life insurance will be to get quotes from your local insurers. Be sure to get clarification on how they view chewing tobacco.
For example, some sources state that Prudential offers non-smoker rates to those who only chew tobacco. However, all tobacco products are lumped together into one question when you get a quote.
If you can’t get non-smoker rates, you’ll have a little more work to do. The best life insurance rates for smokers will depend on other factors. These factors include age and gender, but you should still be able to find reasonable rates.
Life Insurance Rates for Smokers vs. Non-smokers for a 20-Year, $250,000 Policy
| Age | Allstate - Male, Non-smoker | Allstate - Female, Non-Smoker | Allstate - Male, Smoker | Allstate - Female, Smoker | MassMutual - Male, Non-smoker | MassMutual - Female, Non-smoker | MassMutual - Male, Smoker | MassMutual - Female, Smoker |
|---|---|---|---|---|---|---|---|---|
| 25 | $20.00 | $17.00 | $43.00 | $34.00 | $15.00 | $13.48 | $42.20 | $35.23 |
| 30 | $20.00 | $18.00 | $45.00 | $37.00 | $15.23 | $13.70 | $46.33 | $37.20 |
| 35 | $22.00 | $19.00 | $53.00 | $45.00 | $15.88 | $13.93 | $55.48 | $46.55 |
| 40 | $30.00 | $24.00 | $78.00 | $65.00 | $20.68 | $17.83 | $77.23 | $63.50 |
| 45 | $37.00 | $31.00 | $120.00 | $92.00 | $32.40 | $26.33 | $126.15 | $95.70 |
| 50 | $53.00 | $39.00 | $172.00 | $125.00 | $47.63 | $36.33 | $185.30 | $139.20 |
| 55 | $78.00 | $56.00 | $261.00 | $176.00 | $73.73 | $57.43 | $281.45 | $206.63 |
| 60 | $130.00 | $92.00 | $507.00 | $292.00 | $125.73 | $89.18 | $430.42 | $318.85 |
If you smoke and chew tobacco, you’ll see above that your rates will be significantly higher. In some cases, life insurance companies will charge smokers more than double that of non-smokers. (For more information, read our “Top Life Insurance Companies That Cover Everything“).
If any local life insurance providers offer non-smoker rates to chewing tobacco users, they will be much more affordable.
What if I can’t get non-smoker rates?
Applying for non-smoker rates for smokeless chewing tobacco users isn’t clear-cut. Some insurers view chewing tobacco differently.
If you’ve exhausted all local options and can’t get non-smoker rates, there are some other options.
If you still want to get coverage and use tobacco, consider no-exam life insurance. Many companies recommend no-exam life insurance for smokers because of the correlation between smoking and other health risks.
With a traditional policy, you’ll pay for your smoking habits. You’ll pay even more if you have high blood pressure, high cholesterol, cardiovascular disease, or any other issues related to smoking.
With a no medical exam policy, you still have to disclose your tobacco usage. However, you won’t need to take a medical exam which could uncover even more issues.
It’s important to note that lying about smoking on life insurance applications is a bad idea. In short, if the insurer finds out, your beneficiaries may not receive your death benefit. (For more information, read our “Top Life Insurance Companies That Cover Funeral Expenses“).
Simply put, be honest about your habits. Be sure to shop around to find the best life insurance quotes for chewing tobacco users.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
The Truth About Life Insurance Companies That Allow Chewing Tobacco
The truth is, life insurance companies that don’t allow chewing tobacco users to get non-smoker rates are common. You’ll be lucky to find a life insurance provider who will offer cheap life insurance if you use tobacco. (For more information, read our “Top Life Insurance Companies That Allow Long-Term Care Withdrawals“).
By now, you should understand how to find life insurance companies that allow chewing tobacco. See if you qualify for cheap life insurance by entering your ZIP code to get free quotes from top insurers near you.
Read More: How do life insurance companies test for tobacco use?
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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.