Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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: Oct 29, 2021

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The Brief

  • Some insurers will consider snuff users as non-smokers
  • These rates can save hundreds of dollars over the years
  • Life insurance companies are hard on smokers due to related illnesses

When you start to apply for life insurance as a tobacco user, you’ll likely be grilled about your use. That being said, some life insurance companies treat snuff users as non-smokers.

These companies can provide affordable rates. You can review sample life insurance rates to see the differences between how life insurance companies view smokers vs. non-smokers.

If you’re looking for sample rates for life insurance companies that treat snuff users as non-smokers, enter your ZIP code into our free quote tool above.

Which life insurance companies consider snuff users as non-smokers?

You’re likely to find a few companies that offer the best life insurance for tobacco chewers. If the company has a record of offering non-smoker rates to snuff users, then they’ll be more likely to be lenient with you as well.

  • Lincoln Financial – This insurer considers smokeless tobacco users at standard non-smoker rates.
  • Prudential – This insurer offers a lot of high-risk policies, so considering snuff users as non-smokers are easy for it.
  • Cincinnati Life – This insurer offers guaranteed policies and offers tobacco chewers the opportunity to qualify for standard non-smoker rates.

If an insurer is more lenient about smokeless tobacco, it likely won’t hide that fact. However, more are available than these few, and any insurer offering non-smoker life insurance rates to dip users should stand out as a unique deal.

Life insurance companies that don’t treat snuff users as non-smokers will cover the risk they view as equal to smoking. When a life insurance company raises the rates on a smoker’s policy, they do so to protect against the risk smoking tobacco products pose to your health.

Numerous studies have shown how nicotine products and secondhand smoke affects us. Statistically, people who smoke cigarettes or use other nicotine products have a higher chance of getting lung cancer or other serious medical issues.

However, smokeless tobacco users don’t necessarily have to worry about the same issues.

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What is the best life insurance for tobacco users?

Several affordable life insurance companies treat snuff users as non-smokers, and some are even willing to give you non-smoker rates for your snuff use. That being said, even if you smoke in addition to your snuff use, there are still policy options available to you.

Some life insurance policies can guarantee coverage to the policyholder, despite other circumstances in their lives. The underwriting may vary in between insurers, but some of the most available policies include:

  • Guaranteed Life – This insurance guarantees you a policy despite any medical underwriting. It can help you if you suffer any medical conditions from tobacco use.
  • Final Expense/Burial – This will give less of a death benefit but can be used to cover your end-of-life medical bills and burial expenses.

Most insurers will give a policy to smokers and smokeless tobacco users, but if it’s compounded with other medical issues, the price may start to climb.

These policies can be a way to keep those costs lower while still ensuring that you get enough coverage.

How much are life insurance rates for non-smokers who still use tobacco?

Some insurers, like Prudential, are known for being more lenient on customers who don’t smoke daily — in some cases even awarding those tobacco users with non-smoker life insurance rates.

Below are some examples of average monthly rates for a 20-year Prudential policy with a $250,000 death benefit by age:

20-Year, $250,000 Term Life Insurance Monthly Rates for Males and Females Through Prudential
Age$250,000/20-Year Term Male Monthly Rates$250,000/20-Year Term - Female Monthly Rates
20$21.28$17.50
25$22.31$17.72
30$23.41$19.25
35$24.28$19.69
40$28.87$23.41
45$35.44$30.84
50$54.47$44.41
55$87.06$62.21
60$158.59$108.28
65$243.42$194.25
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As you can see, you can start a policy with decent coverage for as long as $20 a month. Starting your policy as early as possible will get you the most affordable rates, even as a smoker.

However, there is a clear difference between what rates smokers and non-smokers can get. If your insurer classifies you as a smoker, you’re more likely to pay higher rates to cover the risk that you might get a disease or die from your use.

Below are some example life insurance rates for smokers vs. non-smoker at Banner Life Insurance, a life insurance company that does not treat snuff users as non-smokers:

Comparing Banner Life Rate for a 10-Year Term, $250,000 Policy
Age10-year/ $250,000
Male Non-Smoker
10-year/$250,000
Male Smoker
10-year/$250,000
Female Non Smoker
10-year/$250,000
Female Smoker
25$12.81$28.38$8.53$21.93
30
$12.81$29.02$8.71$23.65
35$12.81$32.03$9.89$26.44
40$15.20
$46.87$12.25$37.82
45$20.25$67.08$15.69$55.47
50$27.50$97.39$22.46$75.87
55$41.49$147.46$33.75$108.79
60$66.10$239.04$58.70$161.89
65$105.14$373.99$96.11$307.45
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As you can see, the difference in rates is significant. Smokers can start out paying $15 more for insurance, but by age 65, that cost difference can be up to $200.

Why are smokers considered high-risk for life insurance policies?

Life insurance companies are a business at their core, which means that they will be focused on increasing their profits. This means that any risk they will have to pay out on your policy will likely mean that you will have higher rates.

According to the CDC, smoking can lead to disease and disability because it negatively impacts most organs in the body. Even if you don’t die directly from a smoking-related illness, you still face an overwhelming likelihood of developing other long-term illnesses due to your use.

Furthermore, secondhand smoke has been shown to negatively affect those who breathe it in, even leading to some of the same illnesses smokers face.

With tobacco being shown to cause illness, insurers have demonstrated that they don’t have much tolerance on life insurance for smokers. Most insurers will increase rates for habitual smokers, while a few may even deny you coverage, depending on your other life factors.

What is the life insurance underwriting process for tobacco users?

You’ll be subjected to the life insurance underwriting process when you apply for a life insurance policy. This involves using voluntary information and research to determine what your monthly life insurance rates will be.

During the underwriting process, the life insurance agent will look at things like:

  • Medical Records – If you have any serious medical conditions, the insurer will find them through a medical database.
  • Credit History – The insurer will also look at your financial records to determine your likelihood of paying your rates.
  • Criminal/Driving History – Tickets and any recent arrests can also show a more risky lifestyle and lead to higher rates.
  • Hobbies – This includes smoking tobacco products or using smokeless tobacco.

The life insurance company will also look at other factors like your job, and anything that stands out as a statistical risk will ensure that your rates go up.

This is why finding a life insurance company that insurers snuff users as non-smokers can be crucial.

How to Get Lower Life Insurance Rates for Snuff Users

There are plenty of ways to keep your life insurance rates low if you’re a snuff user. Since tobacco use is only one consideration on your monthly rates, you’ll want to lower risk in the other areas too.

This could include eating healthier, getting more exercise, and driving safely.

You can also compare life insurance policies for snuff users from multiple companies to see which offers the best plan at the best rates. You may find some local insurers that are willing to give you a policy at more affordable non-smoker rates.

Before you buy life insurance for snuff users, compare quotes from life insurance companies that treat snuff users as non-smokers. Enter your ZIP code below into our free quote tool to get started.