5 Best Life Insurance for Smokeless Tobacco Users 2024

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If you are a smokeless tobacco user and are looking for a life insurance company that will not penalize you with a smoker rating, this article is for you.

There are more than 700 life insurance companies in America and only a select few underwrite chew, dip and snuff users as non-smokers. Choosing one of these insurers typically saves the policy holder more than 50% on their premiums.

Below we’ll go over the best life insurance companies for smokeless tobacco users and show you sample rates and underwriting guidelines to help you get the best policy. We’ll also show sample rates so chewing tobacco users can see how much they can expect to pay for a term life insurance policy.

💡 Non-tobacco life insurance rates for chew, dip and snuff users: There are several top life insurance companies in America that offer non-smoker rates for smokeless tobacco users (as long as no-cigarette usage in the past 12 months).

Smokeless tobacco (chew, dip, snuff) rates by age & term chart

The table below shows the monthly premiums for a smokeless tobacco user for a $500,000 term life insurance policy. Rates are from a top national life insurance company that offers non-smoker rates for smokeless tobacco users.

Age	10-Year Term	15-Year Term	20-Year Term	30-Year Term
25	$26	$30	$35	$59
30	$26	$30	$35	$61
35	$26	$31	$39	$68
40	$36	$43	$56	$95
45	$52	$67	$88	$152
50	$82	$103	$131	$244
55	$126	$162	$222	$394
60	$194	$259	$367	N/A
65	$342	$494	$731	N/A
70	$596	$901	$1,277	N/A
75	$1,157	$1,674	N/A	N/A

Rates for a male, date of birth September 1st, standard non-smoker rate from a top A (Excellent) rated insurer. No cigarette usage in the last 12 months.

Chew, dip, snuff users non-smoker rates versus smoker rates

The table below show the monthly premiums for a 40-year old male that dips, for a $1 million 15-year term from some of the nation’s top companies: Lincoln Financial, Prudential, Banner Life, AIG, Transamerica, Pacific Life, Mutual of Omaha and Protective Life.

Company	Monthly Premium
Lincoln Financial	$82.47
Prudential	$82.69
Banner Life	$178.04
AIG	$178.05
Transamerica	$180.20
Pacific Life	$189.53
Mutual of Omaha	$242.74
Protective Life	$304.73

_{Rates for a male, date of birth July 1st. No cigarette usage in the last 12 months.}

As you can see in the table above, the difference in premiums for a $1 million 15-year term policy range from $82 month to $304 month for the same exact coverage, the only difference is the insurance companies that specializes in smokeless tobacco underwriting.

Product facts:

• Ages 18-80
• Health classes: standard plus or standard non-tobacco available, depending on the insurer
• Term life
• Whole life

Coverage amounts:

• $100,000 to $10,000,000

Term lengths available:

• 10 year term
• 15 year term
• 20 year term
• 30 year term

Conversion option:

• Conversion option to permanent life insurance available

Underwriting:

• Exam and no medical exam possible, depending on the coverage amount, age and health of applicant and insurance company
• Medical records may be requested, depending on the coverage amount, age and health of applicant and insurance company

5 best life insurance companies that offer non-tobacco rates for smokeless tobacco users:

• Lincoln (Financial) National Life Insurance Company
• Prudential Life Insurance Company
• Cincinnati Life Insurance Company
• John Hancock Life Insurance Company
• Farm Bureau Life Insurance Company

Chewing tobacco brands that qualify for non-smoker life insurance rates:

• Beech-Nut
• Copenhagen
• Grizzly
• Kodiak
• Levi Garrett
• Mail Pouch
• Oliver Twist
• Red Man
• Skoal
• Stoker’s

*As long as no cigarette usage in the last 12 months.

💡 Disclosure: There are only a select few life insurance companies in the nation that offer non-smoker rates for smokeless tobacco uses. However, you have to disclose the usage on the application in order to qualify.

Wrap up

Chewing tobacco users can now qualify for a non-smoker life insurance rates if they haven’t smoked a cigarette in the last twelve months. This is a game changer for those that chew tobacco and are looking for an affordable life insurance rate to protect their loved ones with a highly rated insuer.

Less than 1% of the 700 life insurance companies in America offer non-tobacco rates for smokeless tobacco users (chewing tobacco, dip, snuff). These insurance companies deem the risk of chewing tobacco to be less than cigarettes and therefore offer premiums that are significantly lower than the industry average.

FAQ

Can I qualify for non-tobacco rates if I dip?

Yes, there are several highly rated life insurance companies that offer non-smoker rates for dip (chew) users.^*

Is there a limit on how much I can chew or dip to qualify for a non-smoker rate?

No, several top life insurance allow for unlimited chew, dip and snuff usage as long as there was no cigarette usage in the last twelve months.

Can I test positive for tobacco on the life insurance medical exam?

Yes, there are a select number of life insurance companies that will still offer non-tobacco rates for chew, dip and snuff with a positive tobacco tobacco reading on the life insurance medical exam as long as the smokeless tobacco usage is disclosed on the application.

What happens if you don’t admit to chew, dip or snuff use on the application?

If the applicant fails to disclose smokeless tobacco use on the application and tests positive for tobacco, the life insurance company will then offer a traditional tobacco rate or the policy (claim) can even be contested for misrepresentation.

Instant smokeless tobacco users life insurance quotes as seen above using our online rate quoter.

^*As long not a single cigarette was smoked in the last twelve months.