Even if you chew tobacco, you can still get life insurance and may even be able to get great non-smoker rates. There is a difference between smoking tobacco and chewing it and the life insurance industry recognizes this.
While some insurance carriers will issue smoker rates for chewing tobacco use, there are some that do not have any problem with it. You can still get affordable life insurance even if you chew tobacco.
The qualifications for non-smoker rates for tobacco use vary by carrier. While some will issue non-smoker rates for chew use as long as no cotinine shows up in the urine test, others will issue even if it does test positive.
See what you’d pay for life insurance
If you chew tobacco, be honest on your life insurance application. Be sure to disclose your chewing tobacco use, but make it clear that you do not smoke tobacco. Being honest is the only way to ensure you get the best policy with no risk of penalty.
If it turns out that you lied about tobacco use on an application, the life insurance company can penalize you by reducing your death benefit to what your premiums would be paying for on a smoker-rated policy.
You lied on your application saying you never used any tobacco product and were offered a 20-year $1,000,000 term policy for $53 a month.
During the two-year contestability period, the insurance company discovered you actually are a daily tobacco chewer. Your policy suddenly drops down to a $175,000 policy instead of $1,000,000 because that’s what the $53/month smoker-rate would cover.
If it is discovered after you die that you weren’t completely honest, the carrier can dispute part or all of the benefit your beneficiaries were to receive upon your death. It does not pay to try and fool the insurance company and there is no reason to lie on your application.
You can still get affordable life insurance even if you chew tobacco. Quotacy will shop your case with all the appropriate carriers, this is called doing an underwriting study, to help you get the best product for your individual situation.
No one ever anticipates needing to use life insurance, but the unexpected happens. You will notice how little it would cost when you get a free term life insurance quote (and no contact information required!)
About the writer
Natasha Cornelius, CLU
Senior Editor and Licensed Life Insurance Expert
Natasha Cornelius, CLU, is a writer, editor, and life insurance researcher for Quotacy.com where her goal is to make life insurance more transparent and easier to understand. She has been in the life insurance industry since 2010 and has been writing about life insurance since 2014. Natasha earned her Chartered Life Underwriter designation in 2022. She is also co-host of Quotacy’s YouTube series. Connect with her on LinkedIn.