How Other Tobacco Use
Affects My Quote
Life Insurance companies look negatively on any type of tobacco use. If you use tobacco products, your cost of life insurance will be more expensive than if you did not use tobacco products. The higher price for life insurance comes as a result of a higher probability of cancer, heart disease, and cardiovascular disease.
However, if you only use other types of tobacco you can still get a good rate for your life insurance.
While some life insurance companies have very competitive non-smoker policies, there are a few that specialize in competitive policies for smokers. An occasional smoker can sometimes obtain non-smoker rates based on other health considerations. Our life insurance specialists will work with you to find the life insurance company with the most competitive rates to fit your situation.
How Do I Answer the "Tobacco Use" Questions?
Usually, your tobacco use can be accurately determined through the life insurance exam, which includes a urine specimen. Although cigarette smokers generally pay higher rates than non-smokers, occasional smokers can sometimes obtain "non-smoker" rates.
Other tobacco or nicotine users (pipe, cigar, chewing tobacco, dip, snuff, nicotine patches and nicotine gum) are also sometimes looked at more favorably than heavy or moderate cigarette smokers. To receive an accurate quote from our quoter, it's important to answer the tobacco use questions as accurately as possible. If you have any other questions regarding life insurance for smokers and other tobacco users, please contact us at 1-800-823-4852.
