Does Chewing Tobacco Increase Life Insurance Rates?

The use of chewing tobacco does increase life insurance rates quite a bit with most life insurance companies. 

There are some life insurance companies that will charge Standard range non-tobacco rates for use of tobacco other than cigarettes; however, even of those, most will charge smoker rates if nicotine is detected in your blood or urine. 

Since chewing tobacco can lead to gum, mouth and/or throat cancer, it will increase the price you pay for your life insurance policy. 

However, comparing life insurance rates among a large network of the leading life insurance carriers will help you to find which insurers may offer more competitive rates for your life insurance policy.

Here is a list of the top life insurance companies for your review. You can request free quotes on life insurance in just minutes.