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: May 20, 2021

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The Brief

  • 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.

Average Monthly Term Life Insurance Rates for Non-Smokers vs. Smokers
AgeAverage Monthly Rates for Non-SmokersAverage 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
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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.