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