I chew tobacco.  Do I have to pay smoker rates?

If you chew tobacco or “dip”, you can still get a non-smoker risk class from many companies if you do not smoke cigarettes.  Every company has different requirements to offer chewing tobacco users a non-smoker rate, so you should make sure before applying what your company’s rules are.  Some companies will require a urine specimen negative for nicotine on the exam, while others will give a non-smoker rate even if you test positive for nicotine or chew tobacco every day.

Best companies if testing positive for nicotine

Prudential – unlimited chewing tobacco, standard-plus non-smoker rates
Lincoln National – unlimited chewing tobacco, standard non-smoker rates
John Hancock – unlimited chewing tobacco, standard non-smoker rate

CLICK HERE for an instant life insurance quote comparison from these companies.  You can also give us a call at 1-888-972-0024 or CLICK HERE to send us an e-mail 24 hours a day.