A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Nov 26, 2021

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Don't Miss These Facts

  • Most life insurance companies consider you a smoker if you chew tobacco, but some companies will give you non-smoker rates
  • If you choose a life insurance company that considers you a smoker, you’ll pay double what a non-smoker pays
  • You can quit tobacco and have your policy re-examined after 12 months, at which time you’d be considered a non-smoker

Life insurance is the single best way to protect your loved ones financially in the event of your passing. However, there are a lot of factors that can increase your rates or get you denied outright.

Tobacco use is one of the top reasons your insurance rates increase. However, the difference between smokers and people who use chew, dip, e-cigarettes, and vape pens can be a little confusing.

Tobacco use of any kind is considered high-risk behavior because of the adverse health effects. Even tobacco chewers have an increased chance of mouth, gum, tongue, esophagus, and pancreatic cancer. Because of this, life insurance companies won’t insure tobacco chewers at the best rates.

Most companies treat tobacco chewers as smokers, but some consider you a non-smoker. If you’re ready to find affordable life insurance companies that treat snuff users as non-smokers, you should start by looking at quotes. Enter your ZIP code into our free tool today if you’re ready to see what quotes might look like for you.

Life Insurance Companies That Treat Snuff Users as Non-Smokers

The best life insurance for tobacco users will vary based on a number of factors. But no matter what company you choose, you will likely have to complete a medical exam.

Insurance companies require this to protect themselves against high-risk applicants. Without a medical exam, companies would have to raise their rates for all customers.

Life insurance companies separate applicants into different classes based on their unique situations.

ClassHealth RisksFamily Medical History
Preferred PlusNo health conditions, in above average shapeNo medical history of health conditions in family
PreferredExcellent healthy with a minor issue, such as slightly elevated cholesterolNo medical history of health conditions in family
Standard PlusA few minor health concerns, in good shape with a little extra weightSome history of medical conditions in family
StandardAverage health with a few concernsClose relative died of health condition like stroke or heart attack
Preferred SmokerSmokers that are in excellent health with no other health concernsNo medical history of health conditions in family
Standard SmokerSmoker in average health with a few concernsClose relative died of health condition like stroke or heart attack
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Because of their higher health risks, smokers are placed in their own category. A smoker could have a flawless medical exam and perfect family medical history, but they would still be placed in a more expensive class than non-smokers.

When you use snuff, chew, or dip, your classification becomes a little more tricky. You’re more likely to find life insurance companies that don’t treat snuff users as non-smokers. However, there are a few companies that treat smokeless tobacco users as non-smokers.

Prudential Life

Prudential life insurance is well known for its willingness to work with tobacco users and other high-risk applicants. Not only does Prudential consider tobacco chewers as non-smokers, but it also does the same for users of e-cigarettes, vape pens, and the occasional cigar.

Prudential offers some of the best life insurance for tobacco chewers.

Lincoln Financial

Lincoln Financial ranks highly in customer service and satisfaction, mainly because it offers life insusrance plans of over $1,000,000. While Lincoln doesn’t consider tobacco chewers smokers, the best class you can get into is standard non-smoker.

Securian

This insurance company offers a wide variety of plans for life insurance coverage that would fit anyone’s financial needs. With Securian, smokeless tobacco users are considered non-smokers and qualify for the standard non-smoker rates.

Cincinnati Life Insurance

While a smaller company, Cincinnati offers a varied selection of insurance plans that rivals larger companies. It also offers plans that don’t require a medical exam. Cincinnati is unique in that it offers not only term life but also whole life for tobacco chewers. Additionally, Cincinnati allows smokeless tobacco users to qualify for standard plus non-smoker rates.

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What is the difference in cost between smokers and non-smokers?

Smokers face much higher insurance rates than people who don’t smoke. In fact, smokers pay at least twice as much as non-smokers.

 Average Non-SmokerPreferred SmokerStandard Smoker
Female, age 30$193$650$809
Female, age 50$654$2,647$3,460
Male, age 30$229$805$1,055
Male, age 50$841$3,535$4,590
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With just a small selection of age groups, it’s easy to see that the non-smoker rates should be avoided at all costs.

Enter your ZIP code into our free tool today if you’re ready to see what quotes might look like for you.

How to Save Money on Life Insurance as a Smoker

While it costs more to get life insurance as a smoker, you don’t have to pay high rates for the life of your policy. One of the best ways to lower your monthly payments is also the best option for your health: quit using.

Aside from the enormous health benefits of quitting, you can request another medical exam from your insurance company. Most life insurance companies follow a 12-month rule. Once you’ve quit tobacco for 12 months, you may be eligible to have your policy re-examined.

Rates from life insurance companies that treat snuff users as non-smokers will help you save money — if you can, you should sign up with one of them.

How to Apply for Life Insurance as a Tobacco Chewer

It may be tempting to leave out your tobacco use on your application for life insurance, especially if you’re applying at a company that doesn’t consider tobacco chewers as non-smokers.

However, you should never lie on your life insurance application. Lying on your application is considered fraud, and you will immediately be rejected once your lie is discovered. Since most exams require bloodwork, any tobacco in your system will be detected.

You should also consider the type of insurance that would best fit your needs. There are three main types of life insurance that are relatively easy to apply for as a tobacco chewer.

Term Life Insurance for Tobacco Users

Term life insurance lasts for a specified period of time, usually starting at 10 years up to about 40. The policy stays active during its term, as long as you make your payments. After the policy expires, you’ll need to renew it to continue having life insurance.

Term life is a fantastic option for people with young kids who want to protect their children until they reach adulthood. It’s also an excellent choice for people who know their beneficiaries won’t need a payout after a certain period of time.

Term life monthly payments are cheaper than those of other plans, so it’s also an excellent option for people on a budget.

Whole Life Insurance for Tobacco Users

Whole life does as its name implies — it covers your whole life. While your beneficiaries receive a payout upon your passing the same as with a term life policy, whole life usually has an additional cash accumulation component.

Even though the monthly payments are higher than term, many people prefer whole because they don’t have to worry about the policy expiring. Additionally, if you start the policy while you’re young, your rates won’t change, and you won’t be denied coverage later in life if you develop health problems.

Getting whole life can be difficult if you chew tobacco. Even companies that consider tobacco chewers as non-smokers often offer term life only. If you’re interested in a whole life policy, Cincinnati Life is one of the few companies that let you purchase one.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance is a last-resort option for people that have been denied a standard policy. As a tobacco chewer, even companies that treat you as a non-smoker won’t put you in a higher class than standard plus.

If you have any other marks against your application, you’ll be bumped into a lower class, which means higher monthly payments. If you have too many marks, your application might be rejected.

When this is the case, guaranteed issue life insurance is better than no policy at all. The amount of coverage you can get is a lot less than term or whole life, but you don’t need to go through a medical exam to get it. Some guaranteed issue policies have a medical interview, while others ask no question at all.

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How to Get Quotes From Life Insurance Companies That Treat Snuff Users as Non-Smokers

Finding life insurance as a smokeless tobacco user doesn’t mean high payments if you find the right company. A few companies will treat you like a non-smoker, but if you want to go somewhere else, you should consider quitting tobacco.

If you’re interested in protecting your loved ones, life insurance companies that treat snuff users as non-smokers can help you get an affordable life insurance policy. If you’re ready to see what quotes might look like for you, enter your ZIP code in our free tool to get started.