Unveiling the Hidden Costs: How Chewing Tobacco Impacts Your Life Insurance Premiums

As a life insurance agent I have heard all of the different slang words for chewing tobacco.

Have you heard them all?

If you have heard more than this list below let me know in the comments.

Can I get life insurance at a good rate while using:

Dip/Dipping, Cope, Chew, Lip/Lipper, Pinch, Snuff, Spitter, Lip pillow, Upper decky, Zyn, Spitting tobacco, Smokeless tobacco.

Are you a regular user of chewing tobacco?

If so, you may be unknowingly driving up the cost of your life insurance premiums.

While many people are aware of the health risks associated with tobacco use, few realize the financial implications it can have on their life insurance coverage.

You have come to the right place we have insider knowledge that can help you get much lower non-tobacco rate even while using chewing tobacco.

Best of all it does not matter how often you use it as long as you don’t use cigarette’s or vape.

You must be open and honest about the use and use a carrier that has this special non smoker plus rate class for chew users.

We have these options for you so that you won’t have to overpay for your life insurance.

In this eye-opening article, we delve into the hidden costs of chewing tobacco and how it affects your life insurance premiums.

By examining the statistics and industry data, we shed light on the increased risks and expenses associated with insuring tobacco users.


Not only will you discover the impact of chewing tobacco on your life insurance premiums, but we also provide valuable insights into which insurance providers offer competitive rates for tobacco users.

Whether you’re a current policyholder or considering purchasing life insurance, this article is a must-read to ensure you’re making informed decisions about your coverage.

Don’t let the hidden costs catch you off guard. Arm yourself with knowledge and understanding of how chewing tobacco can impact your life insurance premiums.

Let’s uncover the truth together.

How chewing tobacco affects your health

Chewing tobacco, also known as smokeless tobacco, is a habit that involves placing a wad of tobacco inside the mouth and chewing or sucking on it.

This form of tobacco use exposes the user to numerous harmful chemicals and toxins.

The most notable of these is nicotine, a highly addictive substance that can lead to dependence and a host of health issues.

The continuous exposure to nicotine and other harmful substances can have severe consequences on your health.

Chewing tobacco has been linked to an increased risk of oral cancer, gum disease, tooth decay, and heart disease.

Furthermore, it can lead to respiratory problems, bad breath, stained teeth, and a diminished sense of taste and smell.

While the physical toll on your health is concerning, it’s important to understand that these health risks associated with chewing tobacco can have a direct impact on your life insurance premiums.

Insurance providers take into account the increased risk of mortality and medical expenses associated with tobacco use, which translates into higher premiums for tobacco users.

Life insurance is designed to provide financial protection for your loved ones in the event of your death.

The premiums you pay for your life insurance policy are based on several factors, including your age, health, occupation, and lifestyle choices.

One significant lifestyle choice that insurance companies consider is tobacco use.

Tobacco use, including chewing tobacco, is a red flag for insurance providers.

Studies have shown that tobacco users have a significantly higher risk of developing life-threatening illnesses such as cancer, heart disease, and respiratory problems.

As a result, insurance companies charge higher premiums to offset the increased likelihood of a payout.

When you apply for life insurance as a tobacco user, the underwriting process will involve a thorough assessment of your health history, including any tobacco-related conditions.

This assessment may include medical examinations, blood tests, and even a review of your dental records.

500k no exam life insurance

All of these factors contribute to the overall risk profile that insurance companies use to determine your premiums.

For clients in good health we can find options with no exam.

Factors that insurance companies consider when determining premiums

Insurance companies take into account several key factors when determining the premiums for tobacco users.

These factors help them assess the level of risk associated with providing coverage for individuals who use chewing tobacco.

Here are some of the main considerations:

1. Frequency and duration of tobacco use:

Insurance providers will want to know how long you have been using chewing tobacco and how frequently you indulge in this habit.

The longer and more frequent the use, the higher the risk perception.

2. Health consequences and medical conditions:

Insurance companies will review your medical records to determine if you have any tobacco-related health conditions, such as oral cancer, gum disease, or respiratory problems.

These conditions can have a significant impact on your premiums.

3. Nicotine levels in your system:

Some insurance companies may require a nicotine test to determine the amount of nicotine in your system.

Higher nicotine levels can indicate more frequent tobacco use and can result in higher premiums.

4. Other lifestyle factors:

Insurance providers will also consider other lifestyle factors that may contribute to your overall risk profile, such as alcohol consumption, obesity, and recreational drug use.

These factors, combined with tobacco use, can further increase your premiums.

Understanding these factors can help you better navigate the life insurance application process as a chewing tobacco user.

It’s essential to be transparent about your tobacco use and provide accurate information to ensure that you receive the appropriate coverage and premiums.

Understanding the financial impact of chewing tobacco on life insurance

The financial impact of chewing tobacco on life insurance premiums can be substantial.

Tobacco users generally pay significantly higher premiums compared to non-tobacco users.

The exact amount will vary depending on factors such as age, health, and the insurance provider you choose.

To illustrate the financial impact, let’s consider an example.

Suppose a non-smoker, age 35, with a clean medical history, is looking for a 20-year term life insurance policy with a coverage amount of $500,000.

They might expect to pay around $30 to $40 per month in premiums. However, for a chewing tobacco user of the same age and health profile, the premiums could increase to $70 to $90 per month or even more.

Over the course of a 20-year policy, the difference in premiums can add up to thousands of dollars.

This financial burden can put a strain on your budget and limit your ability to secure the coverage you need to protect your loved ones.

This is why it is always smart to have an independent agent shop the best life insurance companies to secure your best rate.

How long does chew stay in your system for life insurance

This can be different from person to person and also depend on how often chew is used.

Normally chewing tobacco will no longer show up on your life insurance labs after no use for 7-10 days.

Carriers know this and will also look at your doctors records for confirmation of use.

In order for many carriers to not consider you as a smoker rate for this you have to quit for at least one year.

We save you money by only looking at options that will rate you as a non-smoker/non-tobacco rate even while using chew everyday.

What happens if I lie on my life insurance application

You never want to lie about anything on your life insurance application as this would be considered fraud.

When someone decides to try to hide the fact that they use chew for example this can cause the policy to be void and not pay out to your family.

We never want to see that happen so we help you get the lower non-smoker rates even while using chewing tobacco.

You do have to be careful since some agents don’t know about these options and will put you in a much higher smoker/tobacco rate even though you only use chew.

Tips for quitting chewing tobacco and improving your life insurance rates

Quitting chewing tobacco not only has significant health benefits but can also help you secure more affordable life insurance premiums.

Here are some tips to help you quit and improve your life insurance rates:

1. Set a quit date and make a plan:

Choose a date to quit and prepare yourself mentally and emotionally.

Make a plan, seek support from friends and family, and consider joining a support group or seeking professional help.

2. Explore nicotine replacement therapy:

Nicotine replacement therapy, such as patches, gum, or lozenges, can help ease withdrawal symptoms and cravings.

Consult with your doctor to determine the best option for you.

3. Find healthier alternatives:

Replace the habit of chewing tobacco with healthier alternatives like sugarless gum, sunflower seeds, or herbal chew.

These can help satisfy the oral fixation without the harmful effects of tobacco.

4. Stay active and manage stress:

Regular exercise and stress management techniques can help reduce cravings and improve your overall well-being as you quit chewing tobacco.

By quitting chewing tobacco, you not only improve your health but also reduce your risk profile in the eyes of insurance providers.

This can lead to more favorable life insurance rates and potentially save you thousands of dollars over the life of your policy.

Alternative tobacco options and their impact on life insurance premiums

While quitting tobacco altogether is the best option for your health and life insurance rates, some individuals may consider alternative tobacco options.

These alternatives include products such as e-cigarettes, vaping devices, and snus.

It’s important to note that insurance companies generally consider alternative tobacco options in the same category as traditional tobacco products.

This means that using e-cigarettes or other alternatives may still result in higher premiums compared to non-tobacco users.

Insurance providers view these alternatives as new and relatively untested products.

The long-term health effects are still uncertain, and some studies suggest potential risks associated with their use. As a result, insurance companies take a cautious approach and adjust premiums accordingly.

If you are considering switching to an alternative tobacco product, it’s essential to discuss your options with an insurance professional.

They can provide guidance on which providers may offer more competitive rates and help you navigate the application process.

Seeking professional help for quitting chewing tobacco

Quitting chewing tobacco can be challenging, especially if you have been using it for an extended period.

In some cases, seeking professional help may be necessary to overcome the addiction and improve your chances of quitting successfully.

Female life insurance broker presenting his insurance bene

Healthcare professionals, such as doctors, dentists, and addiction specialists, can provide valuable guidance and support throughout the quitting process.

They can recommend medications, therapy, and support groups that can aid in your journey towards tobacco cessation.

Additionally, many insurance providers offer resources and programs to help policyholders quit tobacco.

These resources may include access to counseling services, smoking cessation programs, and educational materials.

Taking advantage of these resources can not only improve your health but also demonstrate to insurance providers your commitment to quitting tobacco, potentially leading to more favorable premiums.

How to navigate life insurance applications as a former chewer

If you are a former chewing tobacco user who has successfully quit, congratulations on taking a significant step towards better health and potentially more affordable life insurance premiums.

However, it’s important to note that the impact of your past tobacco use may still be reflected in your life insurance application.

When applying for life insurance as a former chewer, it’s crucial to be upfront and transparent about your past tobacco use.

Provide accurate information about the duration and frequency of your use, as well as the date you quit. Insurance companies may require a waiting period, typically ranging from one to five years, to consider you a non-tobacco user.

During this waiting period, you can still secure life insurance coverage, but the premiums may be higher compared to someone who has never used tobacco.

Once the waiting period is over, you can request to have your premiums re-evaluated based on your non-tobacco user status.

Working with an insurance professional who specializes in working with former tobacco users can help you navigate the application process and ensure that you receive the best rates possible.

Conclusion: Making informed decisions about your health and life insurance coverage

cigar user life insurance

As a chewing tobacco user, it’s crucial to understand the hidden costs associated with your habit and how it can impact your life insurance premiums.

By taking the time to educate yourself on the financial implications, you can make informed decisions about your health and coverage.

We also help people get non-smoker non-tobacco rates for cigar user life insurance.

Quitting chewing tobacco not only improves your health but can also lead to more affordable life insurance premiums.

The longer you remain tobacco-free, the better your chances of securing competitive rates and protecting your loved ones financially.

Remember, seeking professional help and utilizing available resources can greatly increase your chances of successfully quitting tobacco.

Additionally, working with an insurance professional who understands the unique challenges faced by tobacco users can help you find the best coverage and rates for your specific needs.

Don’t let the hidden costs catch you off guard. Arm yourself with knowledge and understanding of how chewing tobacco can impact your life insurance premiums.

By taking control of your health and making informed decisions, you can secure the coverage you need while protecting your loved ones’ financial future.