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 Benji Carr

UPDATED: Nov 3, 2021

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The Facts of Life

  • Most life insurance companies combine snuff users and smokers into the same risk category
  • Life insurance rates for smokers are anywhere from two to four times that of non-smokers
  • Shopping around online can help you find an affordable life insurance company that treats snuff users as non-smokers

Snuff, much like chewing tobacco, is not as commonly used today as it was decades ago. Many individuals and insurance companies alike equate snuff users to other tobacco users — such as smokers — and lump them into the same category.

You may run into many life insurance companies that don’t treat snuff users as non-smokers, so you will have to shop around to find the best policy options.

But life insurance companies that treat snuff users as non-smokers are out there, and they are not as difficult to find as you may think.

If you use snuff and are searching for life insurance, whether you want no medical exam term coverage or something else, you may be curious which life insurance companies offer the best coverage at the lowest rates for snuff users as non-smokers.

When it comes to finding the best company for you, your best bet is to search online to compare many different life insurance companies and rates.

While smokers’ life insurance rates are often a great deal higher than average, as a snuff user, you may be able to find non-smoker life insurance rates for snuff users that allow you to care for your family and loved ones without paying too much for coverage.

If you are looking for non-smoker life insurance quotes for snuff users, you can use our free tool above to compare rates from top companies in your area and find the best fit.

What’s the best life insurance company for snuff users?

Before deciding on a specific life insurance company, you should always shop around to see what types of coverages companies are offering and at what rates.

There are a few snuff-friendly companies that may be less inclined to charge you higher rates, including:

  • Cincinnati Life Insurance
  • Lincoln Financial
  • Prudential Life Insurance
  • Securian

These companies all typically consider snuff users as non-smokers. Because of this, you could potentially qualify for standard rates for life insurance, though this is dependent on many other factors.

Can snuff users pay non-smoker rates for life insurance?

If you use snuff, you may still be able to pay non-smoker rates on your life insurance.

Each life insurance company has the option to view smoking and tobacco use a little bit differently. Because of this, you may be able to find some life insurance companies that do not consider you high-risk because of your smokeless tobacco use.

Life insurance companies that treat snuff users as non-smokers will typically do so because smoking tobacco is considered much more harmful for a person’s health than any other form of tobacco use.

As you search for a company that views snuff users as non-smokers, remember that lying about smoking on life insurance is just not an option.

Suppose you lie about your tobacco use, and your life insurance company finds out. In that case, they could drop your policy or refuse to honor the nature of the policy after you’ve passed away.

Because of the catastrophic impact this could have on your family and loved ones, you need to be as honest as possible about using snuff with any potential life insurance company.

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Does smoking void a life insurance policy?

If you are a smoker and you disclose that during your application process, smoking should not void your life insurance policy.

This holds true for snuff as well. As long as you are honest with each potential life insurance company about your tobacco use, any policy you get should cover you.

The only time you will be in danger of having a life insurance policy voided is if you lie during the application process and say you do not use tobacco in any way. If you do this, your company has the right to void your policy whenever they find out differently.

Which life insurance companies don’t treat snuff users as non-smokers?

Outside of the companies listed above, most life insurance companies will consider snuff users as smokers. This is simply because they consider tobacco a product that is detrimental to a person’s health.

Even though cigarette smoking and tobacco use are at an all-time low in the United States, over 15 million Americans have a disease related to tobacco use. Because a person’s age and health are the two most significant factors for life insurance, tobacco use is a big deal for many life insurance companies.

For many life insurance companies, life insurance for people who smoke is more expensive than coverage for individuals who do not smoke. Additionally, “smoking” comes in a variety of forms, including:

  • Vaping
  • E-cigarettes
  • Pipes
  • Cigars
  • Chewing tobacco
  • Snuff
  • Nicotine patches and other forms of nicotine therapy

If you regularly use any of the products above, you may qualify as a smoker for certain life insurance companies.

Depending on your age, gender, and the type of policy you want to purchase, your rates could be anywhere from two to four times higher than those for a non-smoking individual.

As you search for affordable non-smoker life insurance for snuff users, you should get quotes from many companies to compare your rates. Also, be sure to talk to a representative to see if there’s any way you can qualify for non-smoker coverage.

If you are considering no longer using snuff, ask representatives from different companies how long you need to abstain from snuff and other tobacco products before being considered a non-smoker.

Before you decide to buy non-smoker life insurance for snuff users, be sure to use our free quote tool below to compare rates and find options that work for you and your family.