Do you use chewing tobacco and are looking to purchase life insurance coverage? Do you currently have a life insurance policy and were approved as a smoker because you use smokeless chewing tobacco? If so, this article will save you money on your life insurance coverage.
People that chew smokeless tobacco are generally classified as “smokers” and the cost difference between a non-smoker and a smoker is huge, almost double that of a non-smoker.
Most tobacco chewers will argue that smoking is more harmful than chewing tobacco and most life insurance companies view the health risks the same as smoking tobacco.
Tobacco chewers have a high risk of developing several different cancers such as mouth, tongue, cheek, gum, throat, esophagus, stomach and pancreatic. Smokeless tobacco chewers also have an increased risk of heart disease, heart attacks, and even strokes.
Even though it’s been proven that the health hazards of smoking tobacco are much greater than chewing smokeless tobacco, most life insurance companies view it as too great a risk, therefore labeling it under the same classification of a smoker or a tobacco user.
Is there any Life Insurance Companies that will Consider Smokeless Tobacco Users as Non-Smokers?
Yes, there is! While most life insurance companies will consider you a smoker with smokeless tobacco use, there is a few that do acknowledge that smoking actual tobacco has a far greater risk than chewing smokeless tobacco.
Purchasing your life insurance coverage with one of these life insurance companies is going to save you more money, than having a policy with a life insurance company that would consider you a smoker or tobacco user.
Here are a few of our most popular life insurance companies that will approve non-smokers rates for smokeless chewing tobacco use.
Chewing Tobacco Friendly Life Insurance Companies
CINCINNATI LIFE INSURANCE – Cincinnati Life Insurance is a smaller company but offers all the great benefits and life insurance rates of the larger name life insurance companies. Cincinnati Life Insurance also has no medical exam term life insurance if you require life insurance coverage below $100,000 and don’t want to go through the hassle of taking an exam. Smokeless chewing tobacco users can apply for a term, ROP, universal life and whole life and have the opportunity to receive up to Standard Plus Non-Smoker rates.
LINCOLN FINANCIAL – Lincoln Financial offers excellent rates for just about anyone but often ranking very well for life insurance over $1,000,000. Lincoln will consider smokeless tobacco users at Standard Non-Smoker at best.
PRUDENTIAL LIFE INSURANCE – Prudential is one of the most well-known life insurance companies when it comes to purchasing life insurance coverage. Prudential is often a go-to company when it comes to high-risk coverage, unique policy riders and non-smokers rates for smokeless chewing tobacco use.
SECURIAN – Securian is the new name of the once Minnesota Life Insurance Company. The insurance company offers a wide selection of different coverage option such as term life insurance, universal life insurance, numerous indexed universal life insurance options as well as whole life insurance. Smokeless chewing tobacco users can expect to receive up to Standard Non-Smoker rates at best.
Online Quote Tip
If you would like an instant life insurance quote to view what potential life insurance rates, please feel free to click on the button below. When selecting a risk classification, be sure to choose the appropriate health classification of Standard Plus or Standard (Non-Smoker).
- Cincinnati Life: Best possible health class = Standard Plus
- Prudential: Best possible health class = Standard Plus
- Lincoln Financial: Best possible health class = Standard
- Securian: Best possible health class = Standard
It is very important to always be honest when applying for life insurance coverage. The risk of lying on a life insurance application can jeopardize the payout of your death benefit claim to your beneficiary.
If applying for any one of these two companies, non-smoker rates for smokeless chewing tobacco use, you want to be honest about your tobacco use. Not disclosing tobacco use and then testing positive for nicotine use will result in an automatic smoker approval.
The Cost Difference Between a Smoker Versus a Non-Smoker
You have options so don’t settle for a smoker’s life insurance policy if you don’t smoke! We stated above that rates between smokers and non-smokers are huge. Take a look at a couple of quote examples:
Male age 40, in excellent health looking for 30-year term life insurance coverage with a death benefit of $500,000, currently uses smokeless chewing tobacco daily.
- Premium with a company that would consider non-smoker – $98.10 monthly
- Premium with a company that would consider smoker – $216.29 monthly
Male age 55, in excellent health looking for 10-year term life insurance coverage with a death benefit of $250,000, currently uses smokeless chewing tobacco daily.
- Premium with a company that would consider non-smoker – $78.30 monthly
- Premium with a company that would consider smoker – $151.38 monthly
Based on the examples of a true smoker and someone who uses smokeless tobacco, the rates for life insurance are nearly double.
Purchasing life insurance coverage from a life insurance company that will approve non-smoker rates for smokeless chewing tobacco use will save a significant amount of money throughout the course of your life insurance coverage.
Applying for Non-Smoker Rates for Smokeless Chewing Tobacco Life Insurance Coverage
Working with an independent life insurance agency like Top Quote Life Insurance is a great starting point to secure a non-smoker life insurance policy if you chew tobacco.
Independent life insurance agencies are generally contracted with several life insurance companies and will know the niches for each life insurance company.
Since there are only a very few life insurance companies that will consider non-smoker rates for smokeless chewing tobacco, Top Quote Life Insurance will make sure you are applying with the right companies, for the best rates, for smokeless chewing tobacco life insurance coverage.
Request a Non-Tobacco Quote now and Save Thousands
If you use smokeless chewing tobacco and currently have a life insurance policy that was approved as a smoker or tobacco class, call us toll-free (888) 777-7574 or send us a message right away so we can start improving your life insurance rate.