Non-tobacco life insurance rates are always available with us.
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Chewing Tobacco Life Insurance Overview
Our underwriting expertise for tobacco and nicotine users will help you find the best rates non-tobacco available.
Chewing Tobacco Rules by Company
The following are the general chewing tobacco life insurance guidelines to help you find your best life insurance rates.
AIG – American General treats chewing tobacco users as smokers.
American National – The best rates are available if you chew 2x per month or less and your labs are negative.
Assurity treats smokeless tobacco as a smoker.
AXA – Occasional use is treated as a standard non-smoker if lab results are negative.
Banner Life – Tobacco chewers are treated as smokers.
John Hancock – Standard non-tobacco rates are available, labs may be positive.
Lincoln Financial Group – Standard non-tobacco rates are available, labs may be positive
Minnesota Life – In our experience this company can’t be trusted, but they may offer you non-tobacco rates.
Nationwide treats tobacco chewers as smokers.
North American – treats tobacco chewers as smokers
Protective Life – Treats tobacco chewers as smokers
Prudential – Offers their non-smoker plus rate to chewers.
SBLI of Massachusetts treats chewers as smokers.
Transamerica treats chewers as smokers
Check back often as we continually update these guidelines.
Does Chewing Tobacco Affect Life Insurance?
Chewing tobacco will negatively affect your life insurance if you end up with the wrong life insurance company.
The good news is that no matter how much tobacco you chew, there are companies that give you non-tobacco rates!
Why pay tobacco life insurance rates when you don’t have to?
Am I cheating to get non-tobacco rates?
No, not at all.
You have to admit tobacco use on your life insurance application.
The key is knowing which life insurance companies have favorable underwriting programs for chew.
Some companies will require negative lab results for cotinine (metabolite generated by nicotine).
Other companies could care less if you chewed tobacco at your paramed exam.
That’s where we’ll be able to guide you to affordable life insurance rates.
Underwriting Questions About Chew
The following underwriting questions will make or break your life insurance application with the wrong life insurer!
It’s not a secret, but most people and agents don’t know the rules to help you save
Here’s what you need to know:
- When did you start using chew?
- How often do you chew? (daily, weekly, monthly, etc?)
- Can you stop chewing long enough to provide a negative urine sample?
- Do you want to stop chewing long enough to provide a negative sample?
- Do you use any other tobacco or nicotine products?
- If yes, what do you use, how much and how often?
Keep in mind that no matter what your answer is to the above questions, non-tobacco life insurance rates are available.
The only possible exception to this would be if you use/used cigarettes.
We’ll tell you which life insurance companies are best based on your individual information.
Does my urine sample have to be negative?
Your urine sample does not need to be negative,
As long as you apply to the companies that don’t care about positive cotinine results.
If you’re an infrequent chewer of tobacco, it may be to your benefit to stop long enough to provide a negative sample.
The reason why is that companies that require a negative sample may offer better underwriting rates.
As an example, here’s a scenario for a 35 year old male in preferred best health seeking $500,000 of 20 year term life.
The only issue is chewing tobacco.
- The best tobacco rate = $990 per year.
- The best daily chewing rate = $575 per year.
- Occasional chewing = $335 per year with negative labs
It’s a tremendous saving if you can meet the guidelines for chewers non-tobacco life insurance rates.
How Long Does Nicotine Stay in Your System?
Generally speaking, nicotine leaves your system in about 72+/- hours,
But that’s not what the life insurance companies are testing you for anyway.
Life insurers are looking for the nicotine metabolite – cotinine because it stays in your system longer than nicotine.
Please take a few minutes to submit your quote request today. Thank you.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.