Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 11, 2020

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The Rundown

  • There are insurance companies that consider smokeless tobacco users as non-smokers.
  • Many companies will ask for a blood or urine test to check for nicotine.
  • Non-smokers can pay less than $100 than smokers from some companies.

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 term or permanent life insurance coverage.

When looking for non-smoker rates for smokeless chewing tobacco it’s important to know that people who 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.

It is important to compare non-smoker rates for smokeless chewing tobacco when looking to buy a great life insurance policy. We can help. Enter your ZIP code to get free quotes from multiple insurers.

Table of Contents

Are there life insurance companies that will consider smokeless tobacco users as non-smokers?

Yes, there are!  While most life insurance companies will consider you a smoker with smokeless tobacco use, there are a few that do acknowledge that smoking actual tobacco has a far greater risk than chewing smokeless tobacco. This is great news as, according to the III, insurance companies consider non-smoker to be in a price class called “preferred.”

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 INSURANCEPrudential 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. This means Prudential Life Insurance is a great option for smokeless tobacco users.

SECURIAN – Securian is the new name of the once Minnesota Life Insurance Company. The insurance company offers a wide selection of different coverage options 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.

Many of these companies even appear in our life of top-rated life insurance companies, which can be seen in the chart below.

List of the Top 25 Life Insurance Companies in the U.S.
Life Insurance CompanyA.M. Best RatingNo Medical Exam Option
AIGANo
ANICOAYes
AssurityA-Yes
Banner LifeA+Yes
Cincinnati LifeANo
FidelityA-Yes
ForestersAYes
Gerber LifeAYes
John HancockA+Yes
Lincoln FinancialA+Yes
MetLife (Brighthouse)A+No
Midland NationalA+No
Minnesota LifeA+Yes
Mutual of OmahaA+Yes
NationwideA+No
North American CompanyA+No
Pacific LifeA+Yes
PrincipalA+Yes
ProtectiveA+No
PrudentialA+No
SagicorA-Yes
SBLIA+Yes
SymetraANo
TransamericaA+Yes
VOYAANo
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As you can see, Cinncinnati Life, Lincoln Financial, and Prudential Life all make an appearance on the top-rated list.

Online Quote Tip

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

You can typically ask for a smokeless tobacco quote from life insurance companies.

IMPORTANT:

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.

Many life insurance companies will require a blood or urine test, so it will be almost impossible to hide any tobacco usage. If you are wondering whether your rate will lower after quitting tobacco usage, you will usually need to be free from tobacco for at least a year. This time frame can vary depending on your particular life insurance company.

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.

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The Cost Difference Between a Smoker and 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

Now that you know more about affordable non-smoker rates for smokeless chewing tobacco life insurance coverage, it’s time to compare life insurance rates. It’s free, fast, and super simple.

We can help you compare non-smoker rates for smokeless chewing tobacco life insurance quotes. Enter your ZIP code to get free quotes from multiple insurers.

References: 

  1. https://www.iii.org/article/how-save-money-life-insurance