Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 28, 2021

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The Facts of Life

  • Life insurance companies will treat chewing tobacco the same as smoking in most cases
  • Life insurance for smokers tends to be double or triple the price of life insurance for non-smokers
  • Tobacco users should purchase life insurance at a young age or look into a no exam life insurance policy

There are many life insurance providers to choose from and most companies offer better rates for a specific population. For example, some companies are better for older adults, some for young adults, some for men, and so on.

For tobacco users, it could be worthwhile to research life insurance companies that allow chewing tobacco. The best life insurance companies will differ for those who do and don’t use tobacco products.

Nobody wants to overpay on life insurance. That’s why we’ll guide you with life insurance options for chewing tobacco users and how to get affordable life insurance if you chew or dip.

Ready to find affordable life insurance companies that allow chewing tobacco? Take advantage of our free quote tool to get instant life insurance quotes from top life insurance companies in minutes.

How much are life insurance rates for smokers and tobacco users?

It’s important to know that insurance companies tend to increase rates based on risk. For life insurance, rates tend to be more expensive for those with dangerous jobs, extreme hobbies, and of course, those who use tobacco.

Life insurance rates for smokers will be virtually the same as they will be for tobacco users. Cancer.org suggests the risks for smokers are similar to the associated risks if you chew or dip. Most notably, the most common risk is cancer.

How will chewing tobacco affect life insurance quotes? Chewing tobacco and smoking both raise life insurance rates significantly. How much will truly depend on the company and other factors, such as your age.

Average Monthly Term Life Insurance Rates for Non-Smokers
Age
$100,000/10-year Average Monthly Rates
$100,000/20-year Average Monthly Rates
$100,000/30-year Average Monthly Rates
Non-Smoker
Male
Female
Male
Female
Male
Female
25$8.27$7.57$10.03$9.06$13.29$12.41
30$8.27$7.57$10.12$9.24$14.08$12.94
35$8.27$7.57$10.12$9.42$15.31$13.11
40$9.86$9.15$12.50$11.18$19.45$15.84
45$13.38$12.50$17.95$14.96$28.51$21.91
50$17.78$15.40$27.19$20.50$48.58$32.12
55$22.53$18.83$38.37$28.60$83.60$57.99
60$37.14$25.61$68.64$46.11N/AN/A
65$59.93$37.93$113.61$72.07N/AN/A
Compare RatesStart Now →

You’ll see above that non-smokers, or tobacco-free adults, have reasonable rates that start under $10 per month. Otherwise, these rates tend to increase with age and are consistently more expensive for males.

Average Monthly Term Life Insurance Rates for Smokers
Age
$100,000/10-Year Average Monthly Rates
$100,000/20-Year Average Monthly Rates
$100,000/30-Year Average Monthly Rates
Smoker
Male
Female
Male
Female
Male
Female
25$18.57$15.93$22.53$17.78$35.02$28.95
30$19.80$16.28$24.46$19.62$39.86$33.35
35$21.47$16.90$27.28$22.09$49.02$39.86
40$26.93$22.79$38.90$30.27$69.78$57.99
45$36.26$31.68$55.53$42.06$111.67$85.27
50$52.98$41.89$84.13$60.54$153.65$115.54
55$78.23$56.58$126.54$88.70N/AN/A
60$113.87$84.04$195.80$131.21N/AN/A
65$173.36$117.83$299.64$209.97N/AN/A
Compare RatesStart Now →

In comparison, rates for smokers or chewing tobacco users tend to be much more expensive. In this case, the lowest rates are just under $20 per month, approximately double that of non-smokers.

As you age, the price difference becomes less favorable for smokers. At 65 years old, the average rates for male smokers is nearly three times that of non-smokers. In short, you can expect to pay a bit more for life insurance if you chew tobacco.

Though smokers’ life insurance rates tend to be a bit higher, some companies may be able to provide cheap life insurance for smokers and chewing tobacco users.

Is there affordable life insurance for tobacco chewers?

Life insurance for smokers can be affordable, but you can almost always expect to pay more for life insurance if you smoke or use chewing tobacco. There are very few life insurance companies that don’t accept chewing tobacco, it just costs more.

Comparison of 20-Year Term Life Insurance Rates for Male Smokers at $250,000 by Provider
AgeAIGFarmersJohn HancockLiberty MutualMassMutualNationwideState Farm
25$37.57$35.60$40.59$70.43$42.20$56.07$45.02
30$42.32$38.72$42.21$71.55$46.33$54.07$49.82
35$47.45$49.76$62.54$82.58$55.48$65.19$55.04
40$69.25$80.81$88.91$125.33$77.23$77.88$79.62
45$107.09$126.43$142.94$192.60$126.15$122.15$123.97
50$158.39$188.72$217.21$342.68$185.30$201.59$192.49
55$244.10$281.01$340.66$499.05$281.45$317.73$301.02
60$400.57$369.96$583.69$818.10$430.42$503.30$477.64
65$553.55N/A$971.09N/A$588.13$699.73$759.94
Get Your Rates Quote Now
Compare RatesStart Now →

Life insurance rates for tobacco users will be notably higher than for those who don’t use tobacco. Most popular life insurance providers will charge roughly double for life insurance if you use tobacco.

You’ll see above that AIG, Farmers, and MassMutual tend to offer the most reasonable life insurance for smokers. Despite State Farm, Nationwide, and Liberty Mutual being well-marketed, they tend to be a bit more expensive.

The best life insurance rates for smokers are clearly for younger smokers. It would be ideal to secure a policy in your 20s if you intend on purchasing life insurance. Some companies offer 30 or 40-year terms.

For older adults who chew tobacco, it might not be worthwhile to purchase a normal term life insurance policy. Senior life insurance can be expensive. No exam life insurance for smokers is likely the better option.

No medical exam life insurance for smokers allows policyholders to get coverage without disclosing any habits, hobbies, or health issues. Some companies might not even ask if you smoke with a no exam policy.

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Can you hide tobacco use from the insurance company?

It’s a bad idea to hide smoking or tobacco usage habits from your life insurance provider if they ask. With some no exam life insurance policies, you won’t have to disclose your tobacco usage. Some insurers will still ask.

Lying about smoking on life insurance applications can lead to forfeiture of the death benefit. This would mean you paid a life insurance company for a number of years and your beneficiary would never receive the death benefit because you falsified your application.

Unfortunately, it’s most likely a better idea to be honest about your habits or to purchase a no exam life insurance policy. It’s a good idea to get quotes from companies for regular term life insurance and no exam life insurance.

What You Need to Know About Life Insurance Companies That Allow Chewing Tobacco

Most life insurance providers will insure someone who uses chewing tobacco, however, your rates and policy options will depend on the company and your age. That’s why it’s important to comparison shop online with at least three different companies before you buy life insurance.

Now that you have a better understanding of the life insurance companies that allow chewing tobacco, start comparing multiple life insurance rates from top insurers in your area using our free quote tool below.