Chew Tobacco? We Can Help You Get Lower Rates

Chew tobacco life insurance
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Chew Tobacco Life Insurance

Tobacco products are not created equal. Chew tobacco, for instance, does not carry with it the same risks cigarettes do.

You know this, and we know this, but do life insurance companies know this? It would seem not, since most insurance providers charge users of chew tobacco the same kinds of rates that they charge cigarette smokers.

But we understand that this is not necessarily justifiable, and we can help you get lower life insurance rates that better suit your lifestyle. After all, why should someone using smokeless tobacco be charged pricey smoker’s insurance rates?

What We Are Offering

If you use chew tobacco and want to pay as little as possible for  life insurance, you’ve come to the right place. We are connected with over 60 of the largest term life insurance companies, and we will help you get the best rates available to you.

Although most insurance carriers charge users of chew tobacco the same rates as cigarette smoker, there is a small selection of providers who will instead offer smokeless tobacco (chew) users policies with non-tobacco rates.

We know which companies these are, and we know what they are looking for. One way to find a favorable chewing tobacco life insurance company is by following our example tip below. It shows you how Prudential provides non tobacco life insurance rates even if you use chewing tobacco.

EXAMPLEUse our free quoter on this page and Select “Standard Plus”; Check “No” for Tobacco; Look for Prudential.

By working with an independent insurance agent like us you will be better equipped for the application process, and you will be more likely to get the kind of insurance coverage you want.

Difference Between Smoker and Non-Smoker Life Insurance Rates

The difference in cost between smoker and non-smoker life insurance rates is pretty significant. For an idea of what this means, take a look at this example:

Let’s say Kevin is a 45-year-old man who chews tobacco regularly. He applies for a 20-year term life policy worth $500,000 in coverage. With an insurance provider who is understanding and willing to charge non-smoker rates, he will only end up paying around $101 a month.

However, if Kevin goes to one of the many life insurance providers who don’t consider dip and chewing tobacco different from cigarettes, he will likely be offered the same coverage at a whopping $295 per month!

Obviously, there is a big difference between the two types of rates, and this difference is even more apparent when you crunch the numbers further. With smoker’s rates, Kevin would end up paying $2,328 more per year. Over the course of the 20-year policy term, this will add up to $46,560! With non-smoker’s rates, he saves this much money. You too can save significantly, but only if you work with the right insurance agent.


We have access to over 60 different insurance carriers, and we know which ones are willing to charge non-smoker rates for users of chew tobacco. We will work with you to find the best coverage and rates available to you.

Please don’t hesitate to give us a call today at 888-411-1329, or simply get a quote right on this page.

Thanks for reading our post, Chew Tobacco Life Insurance. Please leave a comment or question below.

Michael Quinn

Michael Quinn

Michael Quinn is the owner of Life Insurance Blog. Please email or call us at 888-411-1329. We're here to answer your questions & help you get the best policy available.

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