Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Nov 17, 2021

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The Truth in a Nutshell

  • Some life insurance providers will offer non-smoker rates to those who only chew tobacco
  • Life insurance rates for smokers can be more than double that of non-smokers
  • If you don’t qualify for non-smoker life insurance rates, a no-exam life insurance policy is an option

If you’ve quit smoking but still chew or dip, you might wonder if there are any life insurance companies that allow chewing tobacco. One of the top 10 insurance complaints is paying too much. This happens to many smokers.

Nobody wants to overpay for insurance. We’ll help by identifying non-smoker rates for smokeless chewing tobacco. We’ll also cover the cost difference between a smoker and non-smoker, and much more.

Before you rush to learn more about life insurance companies that allow chewing tobacco, enter your ZIP to get free insurance quotes from top providers near you.

Are there any life insurance companies that allow chewing tobacco?

Many life insurance companies do offer policies for those who use chewing tobacco. Unfortunately, most of those companies treat chewing tobacco the same way they treat smoking other tobacco-related products.

It’s well-documented that smokers’ life insurance rates are higher than non-smokers. Sometimes, rates are more than double the monthly price.

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What’s the best way to get affordable life insurance for tobacco chewers?

Finding the most affordable life insurance for chewing tobacco users isn’t easy. It’s rare to find cheap life insurance for smokers, and for good a reason.

There are many health risks if you chew or dip, including cancer. For this reason, the Centers for Disease Control and Prevention says that smokeless tobacco is not a safe alternative to smoking.

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Are there life insurance companies that will consider smokeless tobacco users as non-smokers?

Thre may be some life insurance providers that offer non-smoker rates for chewing tobacco users that don’t smoke cigarettes. However, there is little evidence to support this with most companies.

That said, Farm Bureau and Cincinnati Life both claim to offer non-smoker rates on their websites. However, neither company made our top 10 insurance companies.

As always, there are some policy restrictions, but you could save a lot if you are eligible.

So, how are smokers defined for life insurance? This depends on the company. Some companies will classify any tobacco user as a smoker. Others might let chewing tobacco or similar products slide.

How to get affordable life insurance if you chew or dip tobacco?

If you’re a tobacco user, your first step to getting affordable life insurance will be to get quotes from your local insurers. Be sure to get clarification on how they view chewing tobacco.

For example, some sources state that Prudential offers non-smoker rates to those who only chew tobacco. However, all tobacco products are lumped together into one question when you get a quote.

If you can’t get non-smoker rates, you’ll have a little more work to do. The best life insurance rates for smokers will depend on other factors. These factors include age and gender, but you should still be able to find reasonable rates.

Life Insurance Rates for Smokers vs. Non-smokers for a 20-Year, $250,000 Policy
AgeAllstate - Male, Non-smokerAllstate - Female, Non-SmokerAllstate - Male, SmokerAllstate - Female, SmokerMassMutual - Male, Non-smokerMassMutual - Female, Non-smokerMassMutual - Male, SmokerMassMutual - Female, Smoker
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If you smoke and chew tobacco, you’ll see above that your rates will be significantly higher. In some cases, life insurance companies will charge smokers more than double that of non-smokers.

If any local life insurance providers offer non-smoker rates to chewing tobacco users, they will be much more affordable.

What if I can’t get non-smoker rates?

Applying for non-smoker rates for smokeless chewing tobacco users isn’t clear-cut. Some insurers view chewing tobacco differently.

If you’ve exhausted all local options and can’t get non-smoker rates, there are some other options.

If you still want to get coverage and use tobacco, consider no-exam life insurance. Many companies recommend no-exam life insurance for smokers because of the correlation between smoking and other health risks.

With a traditional policy, you’ll pay for your smoking habits. You’ll pay even more if you have high blood pressure, high cholesterol, cardiovascular disease, or any other issues related to smoking.

With a no medical exam policy, you still have to disclose your tobacco usage. However, you won’t need to take a medical exam which could uncover even more issues.

It’s important to note that lying about smoking on life insurance applications is a bad idea. In short, if the insurer finds out, your beneficiaries may not receive your death benefit.

Simply put, be honest about your habits. Be sure to shop around to find the best life insurance quotes for chewing tobacco users.

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The Truth About Life Insurance Companies That Allow Chewing Tobacco

The truth is, life insurance companies that don’t allow chewing tobacco users to get non-smoker rates are common. You’ll be lucky to find a life insurance provider who will offer cheap life insurance if you use tobacco.

By now, you should understand how to find life insurance companies that allow chewing tobacco. See if you qualify for cheap life insurance by entering your ZIP code to get free quotes from top insurers near you.