Chewing Tobacco and Life Insurance – What You Need to Know

mattmims
Mar 2
3 min read

Get the Best Life Insurance Rates as a Chewing Tobacco User

If you use chewing tobacco or dip, you may be overpaying for life insurance—but LifeStein.com can help. We specialize in finding policies that offer non-smoker rates for chewing tobacco users, potentially saving you 40-50% compared to smoker rates.

👉 Click Here to Get a Free Quote Now – It takes less than 2 minutes! You will fill out the chewing tobacco questionnaire and we will email you the best life insurance policy in the market for you.

Does Chewing Tobacco Affect Life Insurance Rates?

Most life insurance companies classify any tobacco use—including chewing tobacco—as smoking, which results in smoker rates that can be two to three times more expensive than non-smoker rates. But not all insurance companies treat chewing tobacco the same way!

Why Do Life Insurance Companies Charge More for Tobacco Users?

Insurance companies assess risk based on health factors, and tobacco use is one of the biggest indicators of long-term health concerns. While cigarettes and vaping are more commonly associated with lung disease, chewing tobacco carries risks of oral cancer, gum disease, and high blood pressure—all of which can increase your insurance premiums.

Can You Get Non-Smoker Life Insurance Rates If You Use Chewing Tobacco?

Yes! Some life insurance companies treat chewing tobacco differently from smoking. While many insurers automatically categorize chewing tobacco users as smokers, a handful of companies offer non-smoker rates if you use dip, snuff, or chewing tobacco.

At LifeStein.com, we specialize in finding these companies so you can secure the best rate possible. We’ve helped thousands of tobacco users get life insurance at affordable rates—let us help you too.

How to Find the Best Life Insurance Rates If You Use Chewing Tobacco

If you chew tobacco and need life insurance, follow these steps to get the lowest rates:

Work with an Independent Broker – Many agents only work with a few insurance companies, but LifeStein.com shops every major carrier to find the best rates for tobacco users.
Look for No-Nicotine Policies – Some insurers offer non-smoker rates if you don’t use cigarettes or vapes.
Be Honest About Your Tobacco Use – Never lie on a life insurance application. Companies can test for nicotine, and misrepresenting your usage could lead to policy denial.
Consider No-Medical-Exam Life Insurance – If you want fast approval without a medical test, LifeStein.com offers no-exam life insurance options that can be approved in minutes.

Why Choose LifeStein.com for Your Life Insurance Needs?

You Will Speak Directly with the Owner – When you contact LifeStein.com, you’ll speak directly with Matt Mims, the owner, not a random sales rep.
You Can Call or Text Anytime – Whether you prefer to call or text, you can reach Matt directly at (601)-218-7854.
We Work in All 50 States – No matter where you live, we can help you find the best policy.
Access to Every Major Carrier – We compare policies to get you the lowest possible price.
Easy Online Process – Get a quote in minutes without the hassle.
Thousands of Happy Clients – We've helped countless tobacco users secure affordable life insurance. Let us help you too!

Get Your Free Life Insurance Quote Today

Don’t overpay for life insurance just because you use chewing tobacco. LifeStein.com helps you find the best rates by working with insurers that don’t penalize dip or snuff users as harshly as cigarette smokers.

👉 Click Here to Get a Free Quote – Fast, Easy, and Hassle-Free!

Have questions? Call or text Matt Mims at (601)-218-7854 for expert guidance.

Email: mattmims@lifestein.com