Best Life Insurance for Tobacco Chewers in 2025 (Top 10 Companies Ranked)

The best life insurance for tobacco chewers includes Mutual of Omaha, Prudential, and AIG, with rates starting at $53/month. Mutual of Omaha offers flexible underwriting, while Prudential excels in customizable policies for tobacco users.

Mutual of Omaha stands out for its flexible underwriting and lower premiums, while Prudential excels in customizable policies for tobacco users.

Our Top 10 Company Picks: Best Life Insurance for Tobacco Chewers

On average, life insurance for tobacco chewers costs about $26 per month. However, your rates depend on your age, medical history, health status, and the provider you choose.

Learn why smokeless tobacco users should look for companies that charge non-smoker premiums and compare sample life insurance rates. When you’re ready to buy life insurance for tobacco chewers, enter your ZIP code into our free quote tool.

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#1 – Mutual of Omaha: Top Overall Pick

Pros

• Flexible Options: Mutual of Omaha offers many choices so tobacco chewers can find the proper coverage.
• Affordable Rates: Monthly rates start at $53, making it a budget-friendly option for tobacco chewers.
• Bundling Discount: You can save 5% if you bundle other policies with your life insurance. Explore our “Mutual of Omaha Life Insurance Guide“ to learn more.

Cons

• Limited Online Tools: Their website tools aren’t as advanced for managing your policy, which might be a bit inconvenient.
• Smaller Discounts: While the 5% bundling discount is nice, it’s not the biggest compared to other providers offering the best life insurance for tobacco chewers.

#2 – Prudential: Best for Online Tools

Pros

• Great Online Tools: Prudential makes managing your policy easy online, perfect for digital users. It’s a top choice for life insurance for tobacco chewers.
• Reasonable Rates: Starting at $61 per month, Prudential offers affordable coverage, especially for tobacco chewers. View our, “Prudential Life Insurance Guide” to see more.
• Bundling Savings: Save 7% by bundling policies, a great way to cut costs if you’re after the best life insurance for tobacco chewers.

Cons

• Higher Full Coverage Costs: Full coverage can be a bit more expensive than with some other providers, so it’s worth checking if it fits your budget.
• Fewer Physical Locations: Prudential has fewer office locations, so if you prefer in-person service, that might be a downside.

#3 – AIG: Best for High Coverage Options

Pros

• Wide Coverage Range: AIG offers high coverage limits, which is excellent if you want extra protection with the best life insurance for tobacco chewers.
• Affordable Rates: Starting at $57 a month, AIG is budget-friendly for tobacco chewers needing good coverage. You can browse our guide, “AIG Life Insurance Review” to find more.
• Bundling Discount: You can save 6% when you bundle your policies with AIG, making it an even better choice for the best life insurance for tobacco chewers.

Cons

• Essential Online Tools: AIG’s online tools aren’t the best, so managing your policy online might be a bit tricky.
• Strict Health Requirements: AIG has more burdensome health requirements, which might make it harder to qualify for the best life insurance for tobacco chewers.

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#4 – Banner Life: Best for Low Premiums

Pros

• Low Monthly Rates: Banner Life starts at just $54 a month, which makes it an affordable choice for people looking for the best life insurance for tobacco chewers.
• Strong Financial Standing: It is financially stable, and you can count on it to be there when needed. Access our “Banner Life Insurance Company Review” guide for more info.
• Small Discount for Bundling: Bundling your policies can save you 4%, an excellent way to get the best life insurance for tobacco chewers at a lower price.

Cons

• Fewer Discounts: The 4% bundling discount isn’t the biggest, so there might be better fits if you’re looking for a lot of savings.
• Limited Extra Coverage Options: Banner Life offers a few ways to customize your coverage, so you might only find some of the extras you want.

#5 – John Hancock: Best for Great for Wellness Rewards

Pros

• Wellness Rewards: John Hancock offers health incentives that can be a real benefit for tobacco chewers. Refer to our guide, “John Hancock Life Insurance Review” to uncover more.
• Reasonable Rates: t’s competitively priced, starting at just $66 per month, making it a budget-friendly option for those seeking the best life insurance for tobacco chewers.
• Bundling Discount: If you bundle your life insurance with other policies, you can save 5% on your premiums, a great perk for those who like a more comprehensive insurance approach.

Cons

• Higher Premiums for Coverage: Premiums can go up quite a bit for full coverage, particularly for tobacco chewers, who are often considered a higher-risk category.
• Limited Discounts Beyond Bundling: The discounts you get might be limited to bundling and wellness rewards, with few other options available.

#6 – Lincoln Financial: Best for Customization

Pros

• Customizable Plans: Lincoln Financial offers many options to adjust your policy, making it a good pick for tobacco chewers.
• Reasonable Rates: With rates starting at $63, it’s affordable and could be the best life insurance for those on a budget.
• Bundling Discount: When you combine policies, you get a 5% discount, enhancing its appeal as the best life insurance for tobacco chewers.

Cons

• Full Coverage is Costly: If you want more coverage, the prices increase, which might not work for some tobacco chewers.
• Smaller Discounts: The 5% bundling discount is okay, but it’s not as high as some other companies offer for tobacco chewers.

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#7 – Transamerica: Best for Lifestyle Discounts

Pros

• Lifestyle-Based Discounts: Transamerica discounts healthy habits, so if you’re a tobacco chewer trying to quit, you could still get a good deal on life insurance for tobacco chewers.
• Affordable Monthly Rate: Starting at just $58 a month, this is an excellent option if you’re looking for the best life insurance for tobacco chewers without breaking the bank.
• Bundling Discount: If you bundle other policies, you get 6% off, making it a smart way to save. See our guide, “Transamerica Premier Life Insurance Review” to discover more.

Cons

• Essential Online Tools: The website is pretty simple and doesn’t have all the fancy tools some insurers offer.
• Longer Approval Times: Getting approved may take longer than other insurance companies.

#8 – Pacific Life: Best for Light Tobacco Use

Pros

• Affordable for Light Users: With rates starting at $65, Pacific Life is a great option for tobacco chewers who don’t smoke often.
• Trusted Company: Pacific Life is reliable and offers solid long-term coverage, including the best life insurance for tobacco chewers.
• Bundling Savings: You can save 5% by bundling policies, making life insurance for tobacco chewers even cheaper. View our relevant guide, “Life Insurance Resources” to read further.

Cons

• Rates for Heavy Users: If you use tobacco regularly, premiums may be higher, so the life insurance for tobacco chewers could cost more.
• Fewer Locations: There is a need for more in-person offices, which could be an issue if you prefer to meet in person to discuss insurance for tobacco chewers.

#9 – Protective Life: Best for Great for Family Policies

Pros

• Family-Friendly Options: Protective Life has great life insurance for tobacco chewers, making it a good choice for families, even with tobacco users.
• Affordable Premiums: Rates start at just $56, so it’s a budget-friendly option for tobacco chewers looking for affordable life insurance.
• Bundle and Save: Save up to 4% by bundling your life insurance with other policies—great for saving on life insurance for tobacco chewers.

Cons

• Smaller Discounts: The discounts are smaller than what other insurers offer, so if you want bigger savings on life insurance for tobacco chewers, it’s worth shopping around.
• Basic Online Tools: The website and tools are basic, which could be frustrating for those used to more features. Let our guide, “Protective Life Insurance Review” help you.

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#10 – State Farm: Best for Home-auto Bundles

Pros

• Big Bundling Discount: Get 17% off when you bundle policies, perfect for combining auto, home, or life insurance for tobacco chewers.
• Lots of Coverage Options: Choose from various coverage levels, including plans for tobacco chewers. Access the information in our guide, “State Farm Life Insurance Review.”
• Affordable Rates: With rates starting at $69, State Farm offers good deals, especially for tobacco chewers who usually pay more for insurance.

Cons

• Lower Financial Rating: State Farm’s financial rating isn’t as high as some others, which might be something to consider if you compare life insurance for tobacco chewers.
• Full Coverage Costs More: The introductory rates are affordable, but full coverage can get pricey, which could be a downside if you’re trying to keep costs low.

Navigate Life Insurance Rates for Tobacco Chewers

Finding the best life insurance for tobacco users can be challenging, but there are options available for those seeking cheap life insurance for smokers. If you use smokeless tobacco, such as chewing tobacco, you may still face a chewing tobacco life insurance blood test to assess nicotine levels. Life insurance quotes for tobacco chewers vary depending on what provider you go through.

Tobacco Chewers Life Insurance Monthly Rates by Provider & Coverage Level

Others recognize that chewing tobacco does not pose the same health risks as smoking tobacco and will quote you with non-smoker rates. If you chew tobacco, you’ll want to secure non-smoker rates, or you risk much higher premiums.

See what we mean in the table below, which compares non-smoker rates to smoker rates for a 20-year term life insurance policy with a $250,000 death benefit.

Monthly Term Life Insurance Rates for Non-Smokers vs. Smokers

If a company chooses to charge you the smoker rates, it becomes much harder to secure affordable life insurance for tobacco chewers. Fortunately, companies like Prudential Life Insurance Company, Securian Financial, and Lincoln Financial underwrite non-smoker rates for tobacco chewers.

Life Insurance Discounts From the Top Providers for Tobacco Chewers

This approach acknowledges the lower health risks of chewing tobacco, allowing users to access affordable life insurance without the higher costs associated with tobacco use.

The Impact of Chewing Tobacco on Life Insurance

According to the Centers for Disease Control and Prevention (CDC), Around 5.9 million Americans use chewing tobacco, according to the CDC. Some think it’s safer than smoking, but it’s just as harmful.

People often wonder, “Does chewing tobacco affect life insurance?” or whether the cheapest life insurance cigars apply to them. Many companies now offer life insurance for tobacco users, including options for the best life insurance for a smoker. If you’ve quit or reduced smoking, you might qualify for a non smoker life insurance policy.

For occasional cigar enthusiasts, life insurance for cigar smokers could provide a tailored solution, though you may still need to pass a nicotine test for life insurance chewing tobacco. By researching carefully, you can find the right policy for your unique needs. Insurance providers recognize the health risks and may charge higher rates to cover them.

Some companies require blood or urine tests. Often, if there’s no nicotine in your system, you’ll get the non-smoker rate. Don’t lie on your application about your tobacco use. Not only is it insurance fraud, but your beneficiary may lose the death benefit as a result.

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Key Insights of Life Insurance for Tobacco Chewers

Many companies offer the best life insurance rates for smokers or specific policies tailored for tobacco life insurance. To secure affordable life insurance for smokers, it’s essential to compare providers offering the best life insurance for smokers. You can uncover reasonably priced life insurance options for tobacco chewers by diligently exploring and comparing providers in advance.

Some insurers consider tobacco use life insurance policies separately from life insurance nonsmoker plans, and they might offer the best life insurance for smokeless tobacco users. To get the best rates, look for a company that treats smokeless tobacco differently from cigarettes. Discover more in our guide “Life Insurance for High-Risk Individuals.”

Case Studies: The Smarter Way to Secure Life Insurance as a Tobacco User

Finding affordable life insurance can be tricky if you chew tobacco, but some companies offer great options. Let’s look at three quick stories of people who saw the right policies for them.

• Case Study #1 – Insurance Solutions for Tobacco Chewers: John, 40, has been using smokeless tobacco for years. After getting high quotes from other insurers, he found Mutual of Omaha, which offered a 20-year term policy with $500,000 coverage for only $55 a month. This policy gave him the protection he wanted at an affordable price.
• Case Study #2 – Building Security on a Budget: Maria’s Plan with Prudential: Maria, a 32-year-old teacher and single mom, wanted the best life insurance to protect her child’s future. Even with her tobacco use, Prudential offered her a 15-year term policy for $48 a month with $250,000 in coverage. By looking at her overall health, Prudential helped Maria secure affordable coverage.
• Case Study #3 – Exploring the Impact of Lifelong Coverage: Robert, a 50-year-old, wanted a permanent life insurance policy for his grandkids. After struggling with high quotes elsewhere, he found AIG, which offered him a whole-life policy with $100,000 in coverage for $89 a month. Now, he has lifetime protection and peace of mind.

These cases show that with the right research, tobacco users can still find affordable life insurance that meets their needs. Enter your ZIP code to compare rates from the top providers near you.

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