Life Insurance for Tobacco Chewers (Discounts & Rates)

The best life insurance for tobacco chewers may be a term policy option for some users. Life insurance rates are impacted by tobacco, even if you don’t smoke. Most companies require you to get a medical exam, especially if you use tobacco. Tobacco chewers can pay up to twice as much for death benefits for your family. Choose a life insurance company for tobacco chewers only after you compare quotes.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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UPDATED: Jul 14, 2021

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The Highlights

  • Life insurance companies could charge nearly $100 for tobacco use
  • Tobacco chewers, while still get docked for usage, can be classified as “non-smokers”
  • Most companies require a medical exam, which detects nicotine use

Getting life insurance for tobacco chewers won’t be as expensive as insurance for smokers, in most cases. However, you may still be paying more on your monthly premiums because of your tobacco usage.

There are a few companies, such as Prudential Life Insurance, that have options for tobacco chewers. These plans can look like additional riders for nicotine use, no medical exam, or rates based on usage type. Read our Prudential insurance review to learn more.

Before you begin your life insurance hunt, keep in mind that chewing tobacco is, in most cases, a high-risk category for policyholders. However, some companies may not consider it high risk. This is something you will need to ask about when you speak to a local provider.

Enter your ZIP code now to get started. Then, keep reading to learn about life insurance for tobacco chewers.

How can I get life insurance for tobacco chewers?

If you are one of the many smokeless tobacco users, finding life insurance will most likely consist of a look at your blood in a medical exam. If nicotine is detected in your blood, some insurance companies may consider higher life insurance rates for tobacco chewers.

It’s unlikely that a company will flat out deny you service for tobacco use, so finding a company won’t be difficult.

However, finding an affordable policy may prove more strenuous. Keep reading to learn more about affordable life insurance for tobacco chewers.

What is the cost difference between a smoker and a non-smoker?

Keep reading to compare average annual costs for smokers and non-smokers. Then, before you buy life insurance for tobacco chewers, be prepared in the event your favored company charges you as a smoker.

Check out the table below for life insurance rates for smokers by age.

Average Annual Term Life Insurance Rates for Smokers by Age
($100,000/10-Year Policy)
Smoker's AgeAverage Annual Rates for a MaleAverage Annual Rates for a Female
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Compare these life insurance quotes for tobacco chewers to life insurance rates for non-smokers by age.

Average $100,000 Term Life Insurance Policy Rates for a Non-Smoker by Age, Gender, and Term
Age (Non-Smoker)Monthly Rates for a $100,000, 10-Year Policy for MenMonthly Rates for a $100,000, 10-Year Policy for WomenMonthly Rates for a $100,000, 20-Year Policy for MenMonthly Rates for a $100,000, 20-Year Policy for WomenMonthly Rates for a $100,000, 30-Year Policy for MenMonthly Rates for a $100,000, 30-Year Policy for Women
60$39.57$32.50$66.33$50.76Not AvailableNot Available
65$65.54$48.87$113.44$80.73Not AvailableNot Available
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As you can see, when a life insurance company classifies you as a smoker. Sometimes when you chew tobacco, life insurance companies will charge you these increased rates.

But some companies will take you on if you use tobacco, chew, or other smokeless ways.

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

A life insurance company that accepts you as a “non-smoker” will still recognize your nicotine use as a risk to your policy. Your medical exam could work to alleviate some concern of your risk level if your tobacco use is limited and you’re in good health.

Risk increases life insurance rates because that pushes up the time of payout. Life insurance for skydivers, for example, is far more expensive than someone’s with a less dangerous lifestyle.

To balance potentially higher life insurance rates for tobacco chewers, consider possible discounts. People that exercise and abstain from alcohol use may be offered discounts.

Or perhaps the company you chose offers other types of insurance and you can capitalize on a bundling discount. The Insurance Information Institute offers more great information on how to save money on life insurance.

Below is a list of companies with a reputation of being having accessible life insurance for tobacco chewers.

Life Insurance Companies for Tobacco Chewers

Companies will generally classify chewers as Standard Non-Smokers or Standard Plus Non-Smoker. This means that you’re in a better place than a smoker, but don’t meet other pre-requisites on someone in perfect health.

Some companies to consider are:

  • Cincinnati Life
  • Prudential
  • Lincoln Financial
  • Securian

Keep reading to see if these companies are available in your area.

Life Insurance for Tobacco Chewers: The Bottom Line

Tobacco chewers are still using nicotine, which is a less than desirable trait for a life insurance policyholder. However, it is unlikely that you will meet a dead end on your life insurance journey as a tobacco chewer.

Remember to consider your lifestyle choices when shopping around for life insurance, and speak with an agent about possible discounts that reward you for those choices.

Speak to an agent near you about life insurance for tobacco chewers using our free comparison tool. Enter your ZIP code to get started.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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