Finding the best life insurance rates for tobacco chewers, dip, snuff, plug, twist, snus or any other smokeless tobacco is all about using the right life insurance company who will offer you "non-smoker" rates.
Even though evidence shows that chewing tobacco use is less dangerous than cigarettes are, most life insurance companies view chewing tobacco life insurance risks as potential for serious health problems in the future.
With that said, the majority of life insurance companies out there will give you "smoker" or "tobacco" life insurance rates because in reality it's a tobacco product. These smoker rates are more than DOUBLE the rates of non-smoker rates.
However, since you don't smoke or swallow it, some life insurance companies are starting to recognize that it's less harmful than actually ingesting or inhaling.
There are several life insurance companies that will offer their non-smoker health class for chewing tobacco tobacco use.
Using one of these life insurance companies will save you at least 50% on your life insurance premiums. This is the single most important tip I can give you to secure the lowest life insurance rates with chewing tobacco use.
The best life insurance for dip users are the one's who offer non-smoker rates. We would post these companies here, but then we'd be giving out our trade secrets to our competitors.
Keep in mind, you can test positive for nicotine in your system on the life insurance blood test and still get these non-smoker rates, so there's no need to hide your chewing tobacco use. As long as you're using the right company, there's nothing to worry about on the life insurance physical.
You see, every life insurance company will look at your health situation, lifestyle and chewing tobacco habit differently. Some more favorably than others.
The key to finding the best life insurance rates is finding that company that will give you the lowest rates based on YOUR unique situation. Including your use of chewing tobacco, dip, snuff or snus use.
If you're in the market for life insurance and chew tobacco, make sure you look for an independent life insurance agent who has knowledge of these companies that offer "non-smoker" rates. They'll do all the legwork for you in finding that company who will give you the best rates.
At Rootfin.com, we help people who use chew, dip, snuff, snus, twist or plug obtain non-smoker rates. Whether you're looking for the best term life insurance for chewing tobacco users or the cheapest whole life insurance policy, we know which companies offer these non-smoker rates. We'll also take into account any health and lifestyle issues and provide you without the lowest life insurance rate you can qualify for.
Bottom Line. Find an independent agent and make sure you obtain non-smoker rates.