Last Updated: April 2021
Finding affordable life insurance for an individual who uses chewing tobacco, snuff, or dip is not nearly as hard as you might believe.
In fact, many life insurance companies have niche underwriting that is designed to serve people in these categories specifically.
The key is ensuring that you work with a life insurance agency with the capability to offer you these options and ultimately achieve the lowest rates possible as a consumer who uses these tobacco products.
While it is considered high risk life insurance, it is 100% possible to find low rates and great life insurance products.
In this article, we will cover information on securing the lowest monthly rates possible, case studies, and how to apply for life insurance for people who use chewing tobacco, dip, or snuff.
- Can You Get Life Insurance While Using Chewing Tobacco, Dip, or Snuff?
- Case Studies for Life Insurance and Chewing Tobacco
- No Medical Exam Life Insurance for Chewing Tobacco, Dip, or Snuff
- How to Apply for Life Insurance While Using Chewing Tobacco
Can You Get Life Insurance While Using Chewing Tobacco, Dip, or Snuff?
Absolutely! Locating affordable rates for tobacco chewers, dip, snuff, plug, twist, snus, or any other smokeless tobacco, hinges on our ability to find carriers 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 as potential life insurance risks for serious health problems in the future.
With that said, many carriers will label you “smoker” or with “tobacco” life insurance rates because, in reality, it’s a tobacco product. Life insurance rates for smokers are more than double the rates of non-smokers.
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 use. Using one of these life insurance companies will save you at least 50% on your life insurance premiums (like Prudential).
This is the single most important tip I can give you to secure the lowest life insurance rates with chewing tobacco use.
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.
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 will do all the legwork for you in finding the company that will give you the best rates.
Case Studies for Life Insurance and Chewing Tobacco
I think it will be helpful to show you some real-life case studies to illustrate how we’re able to improve our client’s life insurance situations.
Case Study #1
45-year-old male, chews Red Man chewing tobacco and also dips Skoal. He needs $750,000 of coverage to secure a loan. He had controlled high blood pressure and took medication to control his cholesterol as well.
He was already approved at smoker rates with AIG from AIG Direct when he called us. We were able to cut his rates in half and replace that AIG policy by using a company that gave him “non-smoker” rates.
Case Study #2
52-year-old male, big Copenhagen user. He’s a business owner that scuba dives to depths over 120 ft occasionally, usually less than 60 ft though. No health issues whatsoever.
Another agent tried to take him to Prudential to get non-smoker rates, but Prudential gave him a table rating which more than doubled his rates. We were able to find a company that gave him “Standard” non-smoker rates.
No Medical Exam Life Insurance for Chewing Tobacco, Dip, or Snuff
First of all, there are no medical exam term life insurance companies that you can get approved with today, but they will all give you smoker rates. We’re hoping this changes soon and if it does, we’ll update this article immediately.
With that said, it will be much more expensive than taking a medical exam and qualifying for the “non-smoker” rates.
However, if you’re looking for a small permanent life insurance policy in the amount of $5,000 up to $25,000, we do have some companies that will write you at non-smoker rates.
The catch is, you have to be over 50 years old to qualify for these as they’re considered “final expense” policies that are meant to cover burial costs and any final expenses.
No medical exam life insurance policies for those who use smokeless tobacco products are available. Just ask us to compare a no exam policy and a traditional fully underwritten policy with a medical exam and you can decide if it’s worth it (it’s usually not if you’re price sensitive).
How to Apply for Life Insurance While Using Chewing Tobacco
It is possible to obtain extremely affordable life insurance even if you use chewing tobacco, snuff, or dip. You just need to do some homework ahead of time and choose the right agency to apply for coverage with. It will make all of the difference in the premiums you ultimately pay.
At Rootfin.com, we help people who use chew, dip, snuff, snus, twist, or plug to obtain non-smoker rates. Not just non-smoker rates, but the best non-smoker rates, given any other health conditions and lifestyle choices.
We’re not a high-volume call center staffed with sales agents in cubicles. We’re a team of professional life insurance agents that can help you purchase life insurance from the convenience of your home. We take care of everything via phone, mail, and email.
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 with the lowest life insurance rate you can qualify for.
Quick Tip: If you use chewing tobacco, dip, or snuff and want an instant life insurance quote, fill out our instant life insurance quote form and click “Standard Plus” and check “no” for a smoker and look for Prudential (this tip assumes you’re in good health).
Also, be sure to check out our other guides below to learn more about how different types of tobacco use can affect life insurance approval and rates: