Life Insurance for VELO Nicotine Pouch Users
- mattmims
- Mar 22
- 4 min read
Quick Answer: Need life insurance and use VELO?👉 Click here to get a quote from every major life insurance company in all 50 states.
LifeStein.com works with 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.
Can You Get Life Insurance If You Use VELO?
Yes. You can get life insurance if you use VELO nicotine pouches. But here’s the catch: most companies will classify you as a tobacco user, which can double or even triple your rates. The good news? Some life insurance companies will give you non-tobacco rates, even if you use VELO every day. At LifeStein.com, we know who they are.
As noted in Life Insurance: Its Theory and Practice by Dublin and Kopf and the Life Insurance Fact Book (1962), insurers have historically viewed nicotine through a “tobacco lens.” However, modern underwriting is evolving, especially with non-combustible alternatives like VELO.
Do Life Insurance Companies Test for VELO?
Yes, they do. If you’re applying for a policy with a medical exam, the insurer will check your cotinine levels. Cotinine is the chemical your body makes after it processes nicotine. So even if you don’t smoke, dip, or vape — a positive nicotine test can flag you as a tobacco user unless the company allows for non-combustible nicotine exceptions (which some do!).
According to The Complete Guide to Life Insurance: How to Find the Best Policy for Your Needs, life insurance exams are designed to catch all nicotine users — not just smokers — through cotinine screenings. At LifeStein, we know how to handle this. We help people get approved every week.
What Happens If I Lie About Using VELO?
You should never lie on your life insurance application. Why?
If you say you don’t use nicotine but test positive — the company might decline your application.
If you somehow get approved and die within the first two years, the insurer could deny the claim to your family for misrepresentation.
Always be honest. We’ll find the best company for your exact situation.
VELO Users: Tobacco vs. Non-Tobacco Rates
Let’s break it down:
Age | Coverage | Tobacco Rate | Non-Tobacco Rate | Savings |
30 | $500,000 / 20 yrs | $52/month | $23/month | $348/year |
40 | $500,000 / 20 yrs | $86/month | $41/month | $540/year |
50 | $250,000 / 20 yrs | $103/month | $56/month | $564/year |
These are average prices based on healthy males. Rates vary.
Getting non-tobacco pricing can save you thousands over the life of the policy. That’s why using a broker like LifeStein is so important — we know who’s fair to VELO users.
Best Life Insurance Companies for VELO Users
We shop all the top carriers for you, including 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.
Not every company will offer non-tobacco rates for VELO, but some do — and those are the ones we focus on for you.
How LifeStein.com Helps VELO Users Get Approved
At LifeStein, we’ve helped tons of nicotine pouch users — including VELO — get great life insurance with better pricing. Here’s what we do differently:
✅ We only show you companies that consider VELO as non-tobacco
✅ We sell in all 50 states
✅ You’ll work with the owner or one of our top advisors — not a call center
✅ We compare over 20 top-rated companies instantly
Example: Thomas M., a 36-year-old from Texas, used VELO daily and had been quoted $78/month elsewhere for a $500,000 20-year term policy — classified as a tobacco user. He reached out to LifeStein after reading our article. We placed him with a top-rated carrier that gave him non-tobacco rates at just $34/month — saving him over $10,500 across the life of the policy.
“I had no idea companies would treat VELO like smoking. LifeStein literally saved me thousands and made the process super easy.” – Thomas M.
LifeStein.com stays informed using trusted industry sources like Life Insurance: The Great National Hazard, the Life Insurers Fact Book 2024, and The Insurance Guide and Hand-Book by Cornelius Walford to provide clear guidance for today’s consumers.
If you want life insurance and you use VELO, we’re the #1 place to start.
FAQs About Life Insurance and VELO Nicotine Pouches
Does VELO count as smoking for life insurance?In most cases, yes. Many life insurance companies classify any nicotine use — including pouches like VELO — as tobacco use. But a few companies will offer non-tobacco rates if you only use non-combustible nicotine products. That’s what LifeStein specializes in.
Which life insurance companies don’t penalize VELO users?Some of the more flexible companies include Legal & General, Symetra, and Principal — but it depends on your health, age, and coverage amount. We shop them all for you to find the best fit.
Will VELO show up on a life insurance test?Yes. VELO contains nicotine, which turns into cotinine in your body. Life insurance exams test for cotinine through blood or urine. If you test positive, you’ll need a carrier that understands your nicotine source.
Is there a nicotine-free version of VELO that won’t affect life insurance?Not currently. VELO pouches all contain nicotine. If you stop using them for 90+ days, many companies will treat you as a non-nicotine user — but you’ll need to test clean on your exam.
Ready to See Your Options?
Whether you use VELO every day or just occasionally, we can help you lock in affordable, reliable life insurance.
Or call/text us directly:📞 Matt Mims – (601)-218-7854📧 mattmims@lifestein.com
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