Affordable Life Insurance for Tobacco Chewers
The cost of life insurance for tobacco chewers starts around $26 per month on average. Some providers might quote you for smoker rates if you chew tobacco, which can cost over $100 more per month than non-smoker rates. However, companies like Securian, Lincoln Financial, and others offer non-smoker rates to tobacco chewers. Lying about your tobacco use on your application could jeopardize your death benefit.
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Written by
Dorothea Hudson |
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Reviewed by
Sara Routhier
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UPDATED: Dec 7, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 7, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Some providers sell life insurance for tobacco chewers at the non-smoker rate
- Life insurance at the smoker rate can cost an additional $100 or more per month
- Chewing tobacco causes high-risk health issues that may affect your premiums
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.
Below, 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 above.
What are the average life insurance rates for tobacco chewers?
Life insurance quotes for tobacco chewers vary depending on what provider you go through.
Some insurance companies charge smoker rates even if you use chewing tobacco.
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.
| Age | Average Monthly Rates for Non-Smokers | Average Monthly Rates for Smokers |
|---|---|---|
| 25-years-old | $11.98 | $34.21 |
| 30-years-old | $12.12 | $38.04 |
| 35-years-old | $12.64 | $43.56 |
| 40-years-old | $16.59 | $62.37 |
| 45-years-old | $24.78 | $94.67 |
| 50-years-old | $35.28 | $143.87 |
| 55-years-old | $55.18 | $217.28 |
| 60-years-old | $91.80 | $334.58 |
| 65-years-old | $167.37 | $578.74 |
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.
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How does chewing tobacco impact life insurance?
According to the Centers for Disease Control and Prevention (CDC), nearly 5.9 million Americans use chewing tobacco.
Unfortunately, many people wrongly assume chewing tobacco is healthier than smoking tobacco, but evidence proves this is untrue.
Not only does it increase your chances of certain kinds of cancers, but it also puts you at risk of serious bacterial infections.
You also risk:
- Mouth cancer
- Gum disease and tooth loss
- Addiction
Insurance providers are aware of the negative health implications, and some are unwilling to take on such a risk without charging higher rates.
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.
If you quit chewing tobacco, it may take one to three years before certain companies sell you non-smoker premiums.
Life Insurance for Tobacco Chewers: The Bottom Line
Overall, you can secure cheap life insurance rates for tobacco chewers as long as you take the time to research provider’s policies ahead of time.
To get your lowest rates, find a life insurance company for tobacco chewers that recognizes that smokeless tobacco is different from cigarettes.
You can find affordable life insurance for tobacco chewers right now by entering your ZIP code into our free rate tool below.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
|
Written by
Dorothea Hudson |
|
Reviewed by
Sara Routhier
|