Best Life Insurance for Tobacco Chewers in 2024 (Top 10 Companies Ranked)

The best life insurance for tobacco chewers comes from top providers like Mutual of Omaha, Prudential, and AIG, with rates starting at $53. Mutual of Omaha offers flexible underwriting, while Prudential excels in customizable policies for tobacco users.

Mutual of Omaha stands out for its flexible underwriting and lower premiums, while Prudential excels in customizable policies for tobacco users.

Our Top 10 Company Picks: Best Life Insurance for Tobacco Chewers

On average, life insurance for tobacco chewers costs about $26 per month. However, your rates depend on your age, medical history, health status, and the provider you choose.

Learn why smokeless tobacco users should look for companies that charge non-smoker premiums and compare sample life insurance rates. When you’re ready to buy life insurance for tobacco chewers, enter your ZIP code into our free quote tool above.

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#1 – Mutual of Omaha: Top Overall Pick

Pros

• Flexible Options: Mutual of Omaha offers lots of choices so tobacco chewers can find just the right coverage.
• Affordable Rates: Monthly rates start at $53, making it a budget-friendly option for tobacco chewers.
• Bundling Discount: You can save 5% if you bundle other policies with your life insurance.

Cons

• Limited Online Tools: Their website tools are a bit basic for managing your policy.
• Smaller Discounts: The 5% discount is good but not the biggest compared to others.

#2 – Prudential: Best for Online Tools

Pros

• Great Online Tools: Prudential makes it easy to manage your policy online, perfect for those who like digital access.
• Good Rates: Starting at $61 per month, Prudential offers a reasonable option for tobacco chewers.
• Bundling Savings: You can save 7% if you bundle, which adds up if you’re combining policies.

Cons

• Higher Full Coverage Costs: The cost of full coverage could be a bit high.
• Fewer Physical Locations: They don’t have as many offices if you prefer in-person service.

#3 – AIG: Best for High Coverage Options

Pros

• Wide Coverage Range: AIG has high coverage limits for those who want extra protection.
• Affordable Rates: Starting at $57 per month, AIG is a good deal for tobacco chewers.
• Bundling Discount: You can get a 6% discount if you bundle with AIG.

Cons

• Basic Online Tools: Their digital tools aren’t the most advanced.
• Strict Health Requirements: AIG has tougher health requirements, so it may be trickier to qualify.

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#4 – Banner Life: Best for Low Premiums

Pros

• Low Monthly Rates: Banner Life’s rates start at $54, so it’s an affordable choice for tobacco chewers.
• Strong Financial Standing: Banner Life is a stable company you can trust.
• Small Discount for Bundling: Save 4% if you combine Banner Life policies.

Cons

• Fewer Discounts Overall: The 4% bundling discount is on the lower side.
• Limited Options for Extra Coverage: Banner Life might not have as many customization options.

#5 – John Hancock: Best for Great for Wellness Rewards

Pros

• Wellness Rewards: John Hancock has health incentives that can be beneficial for tobacco chewers.
• Reasonable Rates: Starting at $66 per month, it’s competitively priced.
• Bundling Discount: Get 5% off if you bundle with John Hancock.

Cons

• Higher Premiums for Full Coverage: Costs can go up significantly for full coverage.
• Limited Discounts Beyond Bundling: Discounts may be limited beyond bundling and wellness rewards.

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#6 – Lincoln Financial: Best for Customization

Pros

• Customizable Plans: Lincoln Financial has plenty of options to tailor your policy.
• Good Rates: Starting at $63, it’s an affordable option for tobacco chewers.
• Bundling Discount: You get a 5% discount when you combine policies.

Cons

• Full Coverage is Costly: Prices increase for more extensive coverage.
• Smaller Discounts: The 5% bundling discount is moderate compared to others.

#7 – Transamerica: Best for Lifestyle Discounts

Pros

• Lifestyle-Based Discounts: Transamerica rewards healthy choices with lifestyle discounts.
• Affordable Monthly Rate: Starting at $58 per month, it’s a good deal.
• Bundling Discount: Get 6% off when you bundle policies.

Cons

• Basic Online Tools: The website tools aren’t as advanced as other options.
• Longer Approval Times: Getting approved might take a bit longer.

#8 – Pacific Life: Best for Light Tobacco Use

Pros

• Good Rates for Light Users: If you’re a light tobacco user, Pacific Life’s rates are competitive, starting at $65.
• Strong Company: Pacific Life is known for its reliability.
• Bundling Discount: You get a 5% discount if you bundle policies.

Cons

• Higher Rates for Heavier Users: Premiums can go up for those who use tobacco more frequently.
• Fewer Offices: Fewer in-person locations compared to others.

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#9 – Protective Life: Best for Great for Family Policies

Pros

• Family-Friendly Options: Protective Life has policies ideal for families.
• Affordable Premiums: Rates start at $56, making it budget-friendly.
• Bundling Discount: Save 4% when bundling policies.

Cons

• Smaller Discounts: The discount options aren’t as big as some others.
• Basic Online Tools: Their digital resources are limited.

#10 – State Farm: Best for Home-auto Bundles

Pros

• Big Bundling Discount: State Farm offers a hefty 17% discount for bundling policies.
• Comprehensive Coverage Options: Lots of choices for different coverage levels.
• Affordable Basic Rates: Starting at $69, it’s a competitive rate for tobacco chewers.

Cons

• Lower Financial Rating: State Farm’s financial rating is lower than some competitors.
• Higher Costs for Full Coverage: Full coverage can be pricier than expected.

What are the average life insurance rates for tobacco chewers?

Finding the best life insurance for tobacco users can be challenging, but there are options available for those seeking cheap life insurance for smokers. If you use smokeless tobacco, such as chewing tobacco, you may still face a chewing tobacco life insurance blood test to assess nicotine levels. Life insurance quotes for tobacco chewers vary depending on what provider you go through.

Tobacco Chewers Life Insurance Monthly Rates by Provider & Coverage Level

Others recognize that chewing tobacco does not pose the same health risks as smoking tobacco and will quote you with non-smoker rates.

If you chew tobacco, you’ll want to secure non-smoker rates, or you risk much higher premiums.

See what we mean in the table below, which compares non-smoker rates to smoker rates for a 20-year term life insurance policy with a $250,000 death benefit.

Average Monthly Term Life Insurance Rates for Non-Smokers vs. Smokers

If a company chooses to charge you the smoker rates, it becomes much harder to secure affordable life insurance for tobacco chewers. Fortunately, companies like Prudential Life Insurance Company, Securian Financial, and Lincoln Financial underwrite non-smoker rates for tobacco chewers.

Life Insurance Discounts From the Top Providers for Tobacco Chewers

This approach acknowledges the lower health risks of chewing tobacco, allowing users to access affordable life insurance without the higher costs associated with tobacco use.

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How does chewing tobacco impact life insurance?

According to the Centers for Disease Control and Prevention (CDC), nearly 5.9 million Americans use chewing tobacco. Unfortunately, many people wrongly assume chewing tobacco is healthier than smoking tobacco, but evidence proves this is untrue.

People often wonder, “Does chewing tobacco affect life insurance?” or whether the cheapest life insurance cigars apply to them. Many companies now offer life insurance for tobacco users, including options for the best life insurance for a smoker. If you’ve quit or reduced smoking, you might qualify for a non smoker life insurance policy.

For occasional cigar enthusiasts, life insurance for cigar smokers could provide a tailored solution, though you may still need to pass a nicotine test for life insurance chewing tobacco. By researching carefully, you can find the right policy for your unique needs. Insurance providers recognize the health risks and may charge higher rates to cover them.

Some companies require blood or urine tests. Often, if there’s no nicotine in your system, you’ll get the non-smoker rate. Don’t lie on your application about your tobacco use. Not only is it insurance fraud, but your beneficiary may lose the death benefit as a result.

Life Insurance for Tobacco Chewers: The Bottom Line

Many companies offer the best life insurance rates for smokers or specific policies tailored for tobacco life insurance. To secure affordable life insurance for smokers, it’s essential to compare providers offering the best life insurance for smokers. You can uncover reasonably priced life insurance options for tobacco chewers by diligently exploring and comparing providers in advance.

Some insurers consider tobacco use life insurance policies separately from life insurance nonsmoker plans, and they might offer the best life insurance for smokeless tobacco users. To get the best rates, look for a company that treats smokeless tobacco differently from cigarettes. Discover more in our guide “Life Insurance for High-Risk Individuals.”

Case Studies: The Smarter Way to Secure Life Insurance as a Tobacco User

Finding affordable life insurance can be tricky if you chew tobacco, but some companies offer great options. Let’s look at three quick stories of people who saw the right policies for them.

Case Study #1 – Insurance Solutions for Tobacco Chewers: John, 40, has been using smokeless tobacco for years. After getting high quotes from other insurers, he found Mutual of Omaha, which offered a 20-year term policy with $500,000 coverage for only $55 a month. This policy gave him the protection he wanted at an affordable price.

Case Study #2 – Building Security on a Budget: Maria’s Plan with Prudential: Maria, a 32-year-old teacher and single mom, wanted the best life insurance to protect her child’s future. Even with her tobacco use, Prudential offered her a 15-year term policy for $48 a month with $250,000 in coverage. By looking at her overall health, Prudential helped Maria secure affordable coverage.

Case Study #3—Exploring the Impact of Lifelong Coverage: Robert, a 50-year-old, wanted a permanent life insurance policy for his grandkids. After struggling with high quotes elsewhere, he found AIG, which offered him a whole-life policy with $100,000 in coverage for $89 a month. Now, he has lifetime protection and peace of mind.

These cases show that with the right research, tobacco users can still find affordable life insurance that meets their needs. Enter your ZIP code below to compare rates from the top providers near you.

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