Life Insurance for On! Nicotine Pouch Users
- mattmims
- Mar 23
- 5 min read
At LifeStein, we help nicotine pouch users — including those who use On! — secure life insurance at the best possible rate. In many cases, we’ve helped clients avoid unfair smoker rates. Here's everything you need to know before applying.
Can You Get Life Insurance if You Use On! Nicotine Pouches?
Yes, you can qualify for life insurance if you use On! pouches. However, most life insurance companies classify all nicotine users the same — whether you smoke cigarettes or use oral pouches like On!. This blanket approach often results in smoker rates being applied even when there’s no smoking involved.
According to the 2024 Life Insurers Fact Book, issued by the American Council of Life Insurers (ACLI), nicotine use remains one of the top risk indicators in underwriting, but there's an increasing push toward more personalized underwriting based on the form and frequency of use. That means more insurers are beginning to distinguish between smoking and non-combustible alternatives — but only if your broker knows where to apply.
That’s where the right broker matters. A few carriers take a more nuanced approach and will evaluate your case based on your specific nicotine use. If you’re in otherwise good health, only use On! pouches, and have no other risky behaviors, it’s very possible to qualify for non-smoker rates. LifeStein knows which carriers make that distinction — and how to structure your application so it’s reviewed fairly.
Will Insurance Companies Know You Use On!?
Yes, and honesty is key.
You’ll either disclose your use on the application, or the carrier will detect nicotine through a lab test — typically a urine test for cotinine, the metabolite of nicotine. Even if you skip the exam, some carriers still require data from prescription history or medical records that may flag nicotine use.
Failing to disclose nicotine use can result in denied claims or canceled coverage. You’re far better off being transparent — and applying through a broker who knows which carriers are flexible with pouch users.
When asked, you can simply state: “I use On! nicotine pouches, but I do not smoke, vape, or use tobacco products.”
What Rate Class Will You Receive if You Use On!?
Here’s a general breakdown of how carriers treat different types of nicotine use:
User Profile | Typical Rate Class | Notes |
On! pouches only (no smoking/vaping) | Smoker or Non-Smoker | Depends on carrier & usage |
On! pouches + cigarette use | Smoker | All carriers |
On! pouches + vaping | Smoker | All carriers |
Quit all nicotine 12+ months ago | Non-Smoker | Most carriers |
The biggest variable is which company you apply with. At LifeStein, we analyze your profile — age, health, nicotine use, and goals — and place you with a carrier that won’t overcharge you for using a modern oral nicotine pouch like On!.
Real Example: How Brandon T. Saved Over $1,200 a Year
Brandon T., a 38-year-old in Texas, used On! pouches daily. When shopping for life insurance, other brokers told him he had to accept smoker rates — roughly 3x more expensive than non-smoker rates.
He reached out to LifeStein for help. We placed him with a carrier that evaluates nicotine pouch users separately from cigarette smokers. We worked closely with the underwriter to ensure Brandon’s application was accurately reviewed.
Result: Brandon secured a 20-year term policy at a non-smoker rate — saving over $1,200 a year and locking in long-term coverage for his family.
Can You Avoid the Nicotine Test?
Yes, there are no-exam life insurance policies available. These policies don’t require a medical exam, and some don’t include nicotine testing. This can be a smart choice if you want fast approval or don’t want to deal with labs.
However, here’s what to consider:
No-exam policies typically have higher premiums
Coverage amounts may be limited (e.g., up to $1 million)
Not all are available to nicotine users
If you use On! and want to avoid testing, we can help you choose a no-exam policy that balances affordability and speed. In some cases, we’ve helped On! users get instant approval with competitive rates and no lab work.
Types of Life Insurance for On! Pouch Users
On! users can qualify for most types of life insurance — especially if they apply through the right channels.
Term Life Insurance:Most affordable and most popular. Provides coverage for a fixed period (e.g., 10, 20, or 30 years). On! users can qualify for term policies with excellent coverage if placed with the right carrier.
Whole Life Insurance:Offers lifetime coverage with cash value growth. These policies are more expensive and underwriting is stricter, but On! users may still qualify with proper guidance.
No-Exam Life Insurance:Ideal for those who want to skip the lab work. Not all carriers offer this to nicotine users, but we can help you navigate the best options.
Final Expense / Burial Insurance:Simpler policies for smaller coverage amounts. Useful if you're just looking to cover end-of-life costs without full underwriting.
Best Life Insurance Companies for On! Users
Not all companies view nicotine pouch users the same. Here are the carriers we’ve had the most success with for On! users:
Protective
Symetra
Legal & General America
Penn Mutual
Mutual of Omaha
Pacific Life
Principal
Transamerica
Lincoln Financial
Nationwide
Securian Financial
Thrivent
Corebridge
Cincinnati Life
AuguStar
Ethos
And many more
The ACLI Fact Book 2024 notes that over 290 million life insurance policies are currently in force in the U.S., with term life accounting for the majority of new policies sold. With so much competition among carriers, knowing how each one underwrites modern nicotine use can mean the difference between getting approved or overpaying by thousands.
We regularly communicate with underwriters at these carriers to advocate for our clients and ensure fair classification. If one company gives you a smoker rate, another might not — and that difference could save you thousands.
FAQs: Life Insurance for On! Pouch Users
Do I need to quit using On! to get better rates?Not necessarily. Some carriers will still offer non-smoker rates even if you're currently using On!. Others may lower your rate if you've been nicotine-free for 12+ months.
What if I just started using On! instead of smoking?Let us know. Some carriers may view that as a “quit attempt” and offer a more favorable rating, especially if it's been over 6 months since your last cigarette.
Can I re-apply later if I quit On!?Absolutely. You can apply for reconsideration or re-underwriting if you stop using nicotine. We’ll help you time it right for the best outcome.
Why Work with LifeStein?
LifeStein is an independent life insurance agency with access to every major life insurance company in all 50 states. We specialize in helping clients who use nicotine — especially non-combustible forms like On! — navigate the complexities of underwriting and avoid paying more than they should.
Why clients choose LifeStein:
We know which carriers treat pouch users fairly
We work directly with underwriters to advocate for you
We’re fast, transparent, and independent
We never charge fees — our help is always free
We’ve helped dozens of On! users secure excellent coverage with the right company. Whether you want a term policy, no-exam option, or permanent coverage, we’ll help you do it without overpaying.
Get Started Today
Don’t overpay for life insurance just because you use On! pouches. We’ll guide you to the right carrier, streamline the process, and help you get approved quickly — often without a medical exam.
Need Personal Help?
Call or text: Matt Mims at (601)-218-7854Email: info@lifestein.comOffice: 4268 Cahaba Heights Ct Suite 101, Vestavia Hills, AL 35243
We help On! users in all 50 states get fair and affordable life insurance coverage. Let’s make sure you get treated right.
Comments