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Smokeless tobacco users are often overlooked in the realm of life insurance. With increased awareness around the dangers of smoking, many people have made a conscious decision to quit. Unfortunately, this doesn’t always translate into smokeless tobacco use cessation – and that could pose some serious health risks.

In addition to cancer, smokeless tobacco usage also increases your risk for cardiovascular disease and diabetes. It’s important for you to understand these potential side effects before making any decisions about your future with life insurance coverage!

Smokeless Tobacco and Life Insurance Rates

How does smoking affect you? Not only in health but in life insurance…

It’s important to know that most life insurance carriers will rate you as a smoker even if you only use smokeless tobacco.

Not only will using smokeless tobacco increase rates by 3 fold, but also you can’t ignore the health issues smokeless tobacco has on the body over time. We will focus on the carriers that will not rate you with a nicotine/tobacco rate. 

But first…..

Again, smokeless tobacco can still cause an issue with finding a reasonable life insurance rate. In fact, insurance companies consider several factors before deciding whether or not they’d like to cover you. In addition, what rate they’ll cover you for.

Furthermore, bad habits can cause insurance companies to consider you as a high-risk individual; using smokeless tobacco can undoubtedly impact your life insurance premiums. People quit smoking daily, but live through what smoking or dipping caused even after quitting.

The toxic chemicals can cause cardiovascular disease, whether traditional cigarettes, electronic cigarettes. Our public health including heart disease is extremely prevalent in today’s world. 

High-risk life insurance companies will want to know if you are a tobacco user. However, if you use smokeless tobacco, it is still possible to find reasonably priced life insurance.

In general, you will pay a higher premium due to the increased health risk that a tobacco product causes. 

How Does Using Smokeless Tobacco Affect My Life Insurance Rates

All in allIt depends on the insurance company. Furthermore, research has shown that smokeless tobacco is not as harmful as smoking cigarettes.

If you’re a smokeless tobacco user, you’ll want to find a company that does not view all types of tobacco users as the same.

Again, most carriers will put the consumer in the same category as cigarette smokers, which in return will cause the rate to double at best! 

Instead, find an insurance company that has very lenient guidelines towards smokeless tobacco. We already know smokeless tobacco isn’t as harmful as smoking tobacco.

In fact, this is why we always recommend shopping around before picking a life insurance company.  Finding an independent agent will guide the consumer to the best options.


While you may be able to find many companies that are lenient about those that use smokeless tobacco, it’s going to be a lot harder for those that smoke cigarettes to get affordable life insurance, even a term life insurance policy.

Life Insurance rates using smokeless tobacco

In fact, they will likely have to pay rates more similar to people with serious medical conditions, such as type 1 or type 2 diabetes, sleep apnea disorder, or history of a heart attack.

In the event that you’re looking for more motivation to quit smoking, know that stopping 12 months before applying for life insurance can potentially cut the cost of your life insurance in half.

This is because many companies will offer you a standard life insurance rate if you’ve quit for a year. Some carriers will provide the preferred best rates after 3 years of stopped smoking and being tobacco-free.

However, if you choose not to quit, get ready to be labeled high risk by life insurance companies, and expect to be paying two to three times more than nonsmokers. Many, though, will prefer to save thousands of dollars on their life insurance.

We can also show you how to save over 50% with layering term policies. So if you are a tobacco chewer, your best bet is to shop to Prudential and Lincoln Financial. 


Smokeless Tobacco and life rates

For one thing, chewing tobacco outcomes are severe and can be from an array of health issues. In particular, chewing tobacco is closely associated with a number of major health complications, including oral cancer, higher blood pressure, gum disease, decreased sperm count, and erectile dysfunction.

The subsequent gum impacts and data have been public data from the CDC (Center for Disease Control).


  • Smokeless tobacco contains 28 cancer-causing agents (carcinogens).
  • Smokeless tobacco is a known cause of prostate cancer; it increases the risk of developing cancer of the oral cavity.

Oral Health

  • Smokeless tobacco has been associated with leukemia–a precancerous lesion of the soft tissue at the mouth that consists of a white patch or plaque that cannot be scraped off.
  • Smokeless tobacco is related to a recession of the teeth, gum disease, and tooth decay.

Reproductive Health

  • Smokeless tobacco use during pregnancy increases the dangers of preeclampsia (i.e., a condition which might include hypertension, fluid retention, and swelling), premature birth, and low birth weight.
  • Smokeless tobacco usage by men induces diminished sperm count and abnormal sperm cells.

Nicotine Addiction

  • Smokeless tobacco use may result in nicotine addiction.
  • Adolescents who use smokeless tobacco are more likely to become cigarette smokers.


Here are the Percentages of Adults That Were Using Smokeless Tobacco in 2009

  • 3.5% of all adults (aged 18 and over)
  • 7.0 percent of men
  • 0.3% of women
  • 1.0 percent of African Americans
  • 5.7% of American Indian/Alaska Natives*
  • 0.5% of Asian Americans
  • 1.1 percent of Hispanics
  • 4.5% of whites

Proportion of High School Pupils who were Present Smokeless Tobacco Users in 2009

  • 6.1 percent of all high school students
  • 11.0% of men
  • 1.5% of guys
  • 1.8 percent of African Americans
  • 1.5% of Asians
  • 4.6 percent of Hispanics
  • 7.5 percent of whites

Percentage of  young people, our Middle School Students who have been Current Smokeless Tobacco Users in 2009

  • 2.6% of middle school students cigarette users
  • 4.1% of men
  • 1.2 percent of females
  • 1.7% of African Americans
  • 2.0 percent of Asians
  • 3.4% of Hispanics
  • 2.8% of Whites

These statistics can be found on CDC website by clicking here, CDC Smokeless Tobacco.

Keep in mind, smokeless tobacco contains heavy metals such as lead, cadmium, arsenic, copper, mercury, and selenium. These can be toxic just like regular cigarettes. 


Many different types of smokeless tobacco consumption are in the mouth. Most life insurance carriers will consider you a tobacco user if you test positive for nicotine on an exam. But as long as an admission on the application we know the ones that won’t!

These are some of the more common ones:

Chewing, oral, or spit tobacco

  • This form comes as loose leaves, plugs, or spins of dried tobacco that may be flavored. If chewed or placed between the cheek and teeth or gum. The nicotine consumption is from tobacco through the mouth cells. The consumer spits out (or swallows) the brown saliva that has soaked through the tobacco.

Snuff or dipping tobacco, (Skoals/Copenhagen) 

  • Snuff is finely ground tobacco packaged in cans or pouches. It is marketed as moist or dry and may have flavorings added.
  • Moist snuff consumption is by placing it between the lower lip or cheek and gum. The nicotine absorption is in the tissues of the mouth. Moist snuff also comes in little, tea bag-like pouches or sachets.  Placement is between the cheek and gum. These are intended to be both “smoke-free” and “spit-free” and marketed as a discreet way to make use of tobacco.
  • Dry snuff is sold in a powdered form and is used by sniffing or inhaling the powder up the nose.

Tobacco companies have created flavored, dis-solvable kinds of tobacco. These are available as tobacco lozenges, orbs, or pellets; strips (like melt-away breath strips); and toothpick-sized sticks.

Some of them also contain chocolate or sweeteners and seem a good deal like candy. All have tobacco and nicotine. Based on the kind, they’re held in the mouth, chewed, or sucked till they dissolve. The juices are eventually swallowed

Is vaping better than smoking

If you ask me, is vaping safer than smoking?

I would say no. You may not smell like cigarette smoke, but your health will suffer! The negative side effects of vaping are as follows:

  • Thirst increase causing dehydration
  • Bloodshot eyes
  • Develop nosebleeds
  • Smokers cough

It is not as harmful as conventional cigarettes however, it contains propylene glycol (this is what causes the nosebleeds, it dries out the inside of your nose.)  In addition, it also includes diacetyl also known as “popcorn lung”.  


Life insurance rates using smokeless tobacco

Working with an independent life insurance broker such as PinnacleQuote Life Insurance Specialists can secure a life insurance plan that is non-smoker should you think about tobacco. Life insurance providers will know the niches and are contracted with life insurance companies. Best Quote Life Insurance will be certain you’re applying with the tobacco life insurance policy coverage, as there are just a life insurance companies which will consider prices for smokeless tobacco.

The Honest Reality About Chewing Tobacco

  • One can of snuff has as much nicotine as 3 packs of cigarettes
  • Reports suggest that smokeless tobacco is always harder to stop than cigarettes
  • Long-term smokeless tobacco users are almost 50 percent more likely to be diagnosed with oral cancer than non-users


Now to the nitty-gritty! For instance, there are a few life insurance carriers that are lenient to the occasional cigar, a dip of chewing tobacco, vaping or nicotine gum. Although any form of tobacco use poses a health risk. Smokeless tobacco inst as risky as heavy smokers or people who chew frequently.

A number of the life insurance providers allow tobacco usage provided that you do not test positive for nicotine. There are insurance companies that will provide rates that are a non-smoker to you if you test positive for smoking but do not smoke cigarettes.

It’s important to admit your tobacco use. Most cases you will have to take blood tests that will detect nicotine. Some carriers will require a saliva test.

Again, it is always best to just admit what you do because of the types of nicotine tests the carrier can ask you to take. The last thing you want to have happened is the insurance carrier contest the death benefit because you lied on the application.

When the paramedical is done, life insurance carriers will test for nicotine and cotinine. Cotinine is the chemical your body discreet’s when nicotine is present in the body. This will give a good idea the amount of nicotine and the period of time of the last tobacco use. 

The way to locate these life insurers that are lenient is to operate with an agent. An area member agent will be able to help you evaluate options for life insurance policy coverage, even when you regularly chew tobacco.

Best Life Insurance For Tobacco Users


All things considered, before choosing a life insurance company, you’ll want to do some background research.

Rating agencies like A.M. Best can help give you an idea of how reliable an insurance company is before you get involved. Always make sure that you’re only doing business with the best life insurance companies.

Life insurance companies all have different medical underwriting. The key is to find the ones that are the most lenient towards the people in the categories that you fall into.

To use the example previously mentioned, some life insurance companies may double or triple their rates for smokeless tobacco users, while others may offer smokeless tobacco users a standard price.

Prudential Life Insurance Smokeless Tobacco

If you are chewing tobacco and life insurance is in your future then you will want to consider Prudential as your go-to carriers.

Although they will have the applicant take a tobacco test for insurance, as long as you admit it then you will get among the best rates even though the test results were positive.

Another carrier to look at is Lincoln Financial group. They only consider tobacco rates if you smoke cigarettes or use e-cigs. LFG will also come in with better rates on the 10 year and 20-year term rates.


First and foremost, ALWAYS BE HONEST on a life insurance application, PERIOD!!

You may need to undergo a medical exam to qualify when you look into purchasing life insurance. As part of that examination, you might be subject to the life insurance company testing you for nicotine.

Smoking will increase the rate significantly. In fact, consideration of insurance will increase life insurance rates 2-3 times.

Above all, this is why smoking or cotinine test should be anticipated for people who have admitted to smoking and suspected of currently being a smoker. You have to do it anyway if a smoking test is asked for by insurance.

Again, there are many ways that life insurance carriers will detect nicotine and cotinine. Here are the types of nicotine tests:

  • Hair Test
  • Blood Tests
  • Saliva Tests
  • Medical Exam
  • Medical Record History

These are just a few ways carriers will find out. I cannot stress it enough!! JUST BE HONEST!!


Above all, cotinine is a chemical that the body discrete’s when nicotine is present in the body. In addition, it’s the nicotine test for life insurance chewing tobacco and other tobacco product.

Furthermore, cotinine is associated with nicotine and used to detect if the person is a smoker. Cotinine is used in place of nicotine as it’s relatively easy to identify and isn’t quite as simple to flush out of your system.

The cotinine urine test for life insurance is the most typical since the substance can be detected in this manner.

But some insurance companies may request blood or hair test to spot the content.

For example, blood or hair test will be insisted if there is some doubt from the insurance company about your claims. This happening is very very rare!! Again, it is always best to just admit!

It’ll be present in the hair for a substantial length of time, while cotinine does stay in the bloodstream a little longer as compared to a urine test.


Cotinine test Life insurance rates

There are lots of reasons why insurance businesses prefer this type of evaluation. Therefore, beginning with the simple fact it may detect the usage of tobacco and smoke and oral marijuana products in different forms.

  • Chewing Tobacco
  • Pot
  • E-Cigarette Products
  • Cigars
  • Nicotine Gum and Patches

Life Insurance For Tobacco Users


Hiring an independent insurance agent can be extremely beneficial for those looking for life insurance, especially for high-risk individuals. This is because those considered high risk, such as tobacco users, will likely have to pay much higher rates.

However, with the help of an independent insurance agent, you may be able to find a policy at a fraction of the cost. If you’re a smokeless tobacco user, a good agent will find you a company that will be likely to offer you a standard rate.

Comparing life insurance quotes is the number one rule of buying life insurance. Hiring an agent will save you a lot of the time and energy that goes into this research.

If you don’t think you can get accepted due to health issues, like uncontrolled type 2 diabetes, you can always look into no medical exam life insurance.




First, PinnacleQuote is here to help. If you need guidance with finding the best smoking cessation, CLICK HERE.

Second, Speak with one of our agents, and they’ll be able to answer any and all of your questions.

Third, We can help set you up with the best life insurance companies and find the most reasonably-priced policies for you. Finally, Working with us will save you a tremendous amount of time, energy, and money.


Above all, you want to make sure when shopping for life insurance that you want to go with an independent agent over a captive agent.

Actually, PinnacleQuote is a licensed national independent life insurance agent in 49 states. At the same time, has relationships with dozens of carriers. In any event, if you’re looking for a simple process, then let PinnacleQuote hold you by the hand.

Therefore, we will provide you with the best life insurance rates in the industry, that’s made possible by the relationships we have accumulated over the years.

Ultimately, with 25 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.

More Important, If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.

Foresters Life Insurance with Danny Ray

Danny Ray Owner/Agent of PinnacleQuote Life Insurance Specialists


If you’re a smokeless tobacco user, it’s important to know that most life insurance carriers will rate you as a smoker even if you only use smokeless tobacco. This means your rates are likely going to be more than those of regular smokers – and they’ll never go down with time! But don’t worry; we can help get the right coverage for you at an affordable price. Let us do all the work for you by getting in touch today so one of our friendly experts can review your options with no obligation on your end. You deserve the peace of mind knowing that not only is there LIFE INSURANCE FOR SMOKELESS TOBACCO USERS but also some great discounts too!