Life Insurance Company Has Denied Me Because of Nicotine
- mattmims
- Mar 5
- 3 min read
Denied Life Insurance Because of Nicotine? LifeStein.com Can Help!
If you've been denied life insurance because of nicotine use—whether you use Zyn, Velo, On!, dip, chewing tobacco, cigarettes, cigars, vapes, or even nicotine gum—you’re not alone. Many insurance companies automatically classify nicotine users as high-risk and either deny coverage or charge outrageously high premiums. But don’t worry—LifeStein.com specializes in securing life insurance for nicotine users. Just click the blue link that describes your situation.
Even if you use THC, Delta 8, or Delta 9, we can still find you the best life insurance policy. Unlike most agencies, we work directly with you, and you’ll always deal with the owner of LifeStein.com, Matt Mims—not some random sales rep who doesn’t understand your situation. Call Matt directly at (601)-218-7854 or get a free quote now.
Why Do Some Life Insurance Companies Deny Nicotine Users?
1. Random Reps Who Don’t Care About Finding a Solution
Most big-box insurance agencies assign you to a random sales representative who is just trying to push a quick sale. They don’t take the time to find the right life insurance company that actually accepts nicotine users at good rates.
At LifeStein.com, we take a different approach. You work directly with the owner, Matt Mims, who knows the market inside and out. We work hard to find the best solution for you—even if you’ve already been denied elsewhere.
2. Limited Access to Life Insurance Carriers
Most life insurance agencies only work with a few insurance providers. If those companies don’t offer good policies for nicotine users, you’re out of luck.
LifeStein.com has access to the entire life insurance market—which means we can find the best policy for you, no matter what kind of nicotine product you use.
3. Strict & Outdated Underwriting Guidelines
Many life insurance companies have outdated underwriting policies that treat all nicotine users the same—whether you smoke a pack of cigarettes a day or occasionally use Zyn, Velo, or nicotine gum. This is unfair and unnecessary.
LifeStein.com works with insurers that have more flexible guidelines, so you get the best possible rates.
Get Life Insurance Based on Your Nicotine Use
Denied for Using Zyn, Velo, or On!? We Can Help!
Many insurers incorrectly classify nicotine pouch users as smokers, even though Zyn, Velo, and On! don’t involve tobacco smoke. If you’ve been denied, LifeStein.com works with carriers that offer non-smoker rates for pouch users. Click here to get a Zyn-friendly quote!
Denied for Dip or Chewing Tobacco? Let’s Fix That!
Most insurers automatically assign smoker rates to dip and chewing tobacco users. But we work with companies that offer non-smoker rates for smokeless tobacco users. Get a dip-friendly life insurance quote today!
Denied for Vaping? LifeStein.com Has Options!
Many life insurance companies treat vaping the same as cigarette smoking, even though it’s different. We find policies where vapers can qualify for better rates. Request a vape-friendly quote now!
Smoke Cigars? Get the Right Policy!
If you smoke occasional cigars, some insurers still classify you as a smoker. LifeStein.com can find a policy that treats occasional cigar smoking fairly. Get a cigar-friendly quote here!
Denied for Using THC, Delta 8, or Delta 9? We Have Solutions!
Most insurers are strict about THC, Delta 8, and Delta 9 use, but LifeStein.com works with companies that approve marijuana users for non-smoker rates. Click here to find THC-friendly life insurance!
How the LifeStein.com Process Works
If you fill out an application, LifeStein.com will receive a small amount of your information from the form you complete. We will then shop your profile across the entire life insurance market to find the best policy available. Once we find the best option, Matt Mims will personally email the best quote directly to your email address.
Why Work With LifeStein.com?
Expert in securing life insurance for nicotine & THC users
Access to every major life insurance company in all 50 states
Direct access to the owner, Matt Mims—no random sales reps
Quick and easy process—get a quote within 24 business hours
Get Approved for Life Insurance Today!
Being denied because of nicotine doesn’t mean you can’t get life insurance. LifeStein.com specializes in securing coverage for people just like you.
📞 Call/Text Matt Mims now at (601)-218-7854 and request your personalized quote here.
A Life Insurance Company Has Denied Me Because of Nicotine? You have found the answers.
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