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Life Insurance for Dippers
The Top Life Insurance Company for Nicotine Users
Life Insurance for Dip Users - Request Your Quote
Built for Smokeless Tobacco Users
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Most quote sites automatically label dip/chew users as “smokers.”
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This mistake can double or triple your price.
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LifeStein specializes in nicotine-related underwriting.
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We match you with companies that do NOT penalize dip users like cigarette smokers.
Access to Every Major Life Insurance Carrier
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More carriers mean better pricing and more approval options.
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LifeStein shops the entire market, including leading companies like Legal & General, Banner Life, Protective, Symetra, Corebridge, Penn Mutual, Pacific Life, Principal, Transamerica, Thrivent, Cincinnati Life, Securian, Nationwide, Mutual of Omaha, AuguStar, Lincoln Financial, Ethos, New York Life, and many more.
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With full-market access, dip and chewing tobacco users always see the lowest rate class they truly qualify for.
We Know Which Companies Treat Dip Users the Best
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LifeStein understands the rules that matter:
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Which carriers classify dip/chew as non-tobacco
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Which offer Standard Plus or Regular Plus instead of “Smoker”
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Which insurers run cotinine tests (and which ones don’t)
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Which companies allow fast, no-exam approvals even with smokeless tobacco
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This expertise directly lowers your premium.
Fast Quotes and Simple Applications
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Compare accurate rates instantly.
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Apply online in minutes.
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No confusing forms.
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No long phone calls.
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Pricing reflects how smokeless tobacco is actually underwritten.