While our site doesn’t feature every company or financial product on the open market, we believe everyone should be able to make great financial decisions with the utmost confidence. The guidance we offer, the information we provide, and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence what products we write about and review and where on the site we put them. In no way does this affect our recommendations or advice, which are grounded in many hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.

Life insurance and Chewing Tobacco Drug Test

In nicotine testing, chewing tobacco shows up, which usually means you will pay higher life insurance premiums, but some insurers are friendlier to smokeless tobacco users.

Google

Does chewing tobacco affect life insurance

does chewing tobacco affect life insuranceA person who smokes and wants to get life insurance is well aware that it can increase their premium. However, some use smokeless tobacco, thinking that it is a better option. The truth is that any kind of tobacco can affect the price of a monthly premium. The world of life insurance has changed for the better. Many insurers are now becoming lenient for tobacco users. Read on to find out what are available options for you.

Best life insurance for smokeless tobacco users

best life insurance for smokeless tobacco usersInsurance providers are knowledgeable about different vices that can affect the health of individuals. Cigarette smoking is not the only way for insurers to use tobacco. For instance, the use of smokeless tobacco is still an important higher monthly premium. It has a similar side effect on the body as smoking a cigarette. 

Moreover, there are different types of smokeless tobacco, like snuff and chewing tobacco. Chewing is in the form of leaves, plug forms, and twists. A snuff is available in dry and moist, and you can buy it sachet form. It is the most sought after type of smokeless tobacco today, especially for younger people. According to statistics, almost 10 million Americans use it to substitute cigarette smoking. However, health professionals warn the public of its many risks to health. 

Smokeless tobacco life insurance

Chewing tobacco can have a significant impact on your life insurance policy. While smokers can still obtain coverage, they will likely pay higher premiums due to the increased health risks associated with tobacco use. It’s important to disclose all tobacco use on your application to ensure you are accurately assessed for risk and receive the appropriate coverage. Some insurance companies may also require a medical exam to determine your health and tobacco use. Working with an experienced insurance agent can help you navigate the application process and find the best policy for your needs.

If you use smokeless tobacco, such as chewing tobacco, it’s important to know that this can also affect your life insurance policy. While it may not carry the same health risks as smoking, it can still increase your risk for certain health conditions, such as oral cancer. As a result, insurance companies may view smokeless tobacco users as riskier and charge higher premiums. It’s important, to be honest about your tobacco use on your application and work with an agent who can help you find the best policy for your needs. Some insurance companies may also offer policies specifically for tobacco users, so it’s worth exploring your options. Remember, life insurance aims to provide financial protection for your loved ones, so it’s important to ensure you have the right coverage in place.

Coach B. Insurance logo

Compare the market, right here.

Coach B. saves you up to 60% by comparing the top-rated companies on our quote and apply platform.

How long does chewing tobacco stay in your system

how long does chewing tobacco stay in your systemPeople also process nicotine differently depending on their genetics. Generally, nicotine will leaves your blood within 1 to 3 days after you stop using tobacco, and cotinine will be gone after 1 to 10 days. Neither nicotine nor cotinine will be detectable in your urine after 3 to 4

How long does chewing tobacco stay in your blood for insurance

how long does chewing tobacco stay in your blood for insuranceAccording to doctors, for most men who chew tobacco daily, it takes up to 7 days for nicotine (cotinine) to leave your bloodstream. If you only use dip or chew a few times a month, “weekend dipper,” then nicotine will probably be out of your system in around five days.

Life insurance for dippers

life insurance for dippersUnfortunately, most tobacco dippers are paying smoking rates for life insurance coverage. They think that chewing tobacco affects life insurance and will cause premiums to increase. The big misconception is that smokeless tobacco users can only qualify for the same risk category as smokers.

That’s NOT TRUE!

Do insurance companies test for nicotine in blood

do insurance companies test for nicotine in bloodIf your policy includes a medical exam, the professional will ask questions about your health, including whether you smoke, chew, or use smokeless tobacco products. You’ll also take a urine and blood test during your exam, which detects nicotine levels in your system.

Compare and buy life insurance

Affordable life insurance for smokers no medical exam

While some affordable life insurance policies may not require a medical exam, they will still ask about tobacco use on the application. If you use chewing tobacco, you will likely be classified as a smoker and may face higher premiums or even denial of coverage. It’s important, to be honest on your application and disclose all tobacco use, as failure to do so could result in your policy being voided if discovered later on. Consider quitting tobacco use to not only improve your chances of obtaining life insurance but also for the benefit of your overall health.

If you use chewing tobacco and need life insurance, it’s important to understand that you may face higher premiums or even denial of coverage. This is because tobacco use, including chewing tobacco, is considered high-risk for insurance companies. However, smokers still have options for life insurance without a medical exam. These policies may have lower coverage amounts and higher premiums, but they can provide peace of mind for you and your loved ones. It’s important to be honest on your application about your tobacco use, as failure to disclose this information could result in your policy being voided if discovered later on. Additionally, quitting tobacco use can improve your chances of obtaining life insurance and your overall health and well-being.

Cheapest life insurance for smokers

Unfortunately, there is no one-size-fits-all answer to finding the cheapest insurance for smokers, as rates can vary greatly depending on factors such as age, health, and the amount of coverage needed. However, shopping around and comparing quotes from multiple insurance providers is important to find the best rates. Additionally, consider quitting smoking or switching to a nicotine replacement product to lower your premiums and improve your overall health.

If you are a smoker who uses chewing tobacco, disclosing this information to potential life insurance providers is important. While chewing tobacco may not have the same negative health effects as smoking cigarettes, it can still increase your risk for certain health issues, such as oral cancer. This may result in higher premiums for life insurance coverage. However, quitting chewing tobacco or switching to a nicotine replacement product can lower your premiums and improve your overall health, making it a worthwhile investment in your future and your wallet.

Lying about smoking on life insurance application

Lying about smoking or chewing tobacco on a life insurance application is not only unethical, but it can also have serious consequences. If the insurance company discovers you lied about your tobacco use, they may deny your claim or cancel your policy. Additionally, if you pass away due to a tobacco-related illness and it is discovered that you lied on your application, your beneficiaries may not receive the death benefit. It’s always best, to be honest on your application and work with an insurance agent to find the best policy for your needs.

While it may be tempting to lie about tobacco use on a life insurance application to secure a lower premium, it is important to remember that the consequences of being caught can be severe. Insurance companies have ways of detecting tobacco use, such as medical exams and blood tests, and if they discover that you lied on your application, they may deny your claim or cancel your policy. This can leave your loved ones without the financial protection they need in the event of your death. It’s always best, to be honest on your application and work with an insurance agent to find the best policy for your needs, even if it means paying a higher premium. Your honesty will be appreciated and can help ensure that your loved ones are cared for in the future.

Term life insurance for smokers

Smokers can still obtain term life insurance coverage, including those who chew tobacco. However, they will likely pay higher premiums than non-smokers due to the increased health risks associated with tobacco use. It’s important to disclose all tobacco use on your application to ensure you are accurately assessed for risk and receive the appropriate coverage. Some insurance companies may also require a medical exam to determine your health and tobacco use. Working with an experienced insurance agent can help you navigate the application process and find the best policy for your needs.

If you are a smoker who chews tobacco, it’s important to understand that your life insurance premiums will likely be higher than those of non-smokers. Tobacco use is associated with various health risks, including cancer, heart disease, and respiratory problems. However, it’s still possible to obtain term life insurance coverage as a smoker. When applying for coverage, disclose all tobacco use, including chewing tobacco, to ensure you are accurately assessed for risk. Some insurance companies may also require a medical exam to determine your health and tobacco use. Working with an experienced insurance agent can help you navigate the application process and find the best policy for your needs. Remember, even if you pay higher premiums as a smoker, having life insurance coverage can provide peace of mind and financial protection for your loved ones.

Frequently Asked Questions

Does chewing tobacco affect life insurance?

Yes, chewing tobacco can affect your life insurance rates. Chewing tobacco is considered a high-risk behavior by insurance companies and can lead to higher premiums or even denial of coverage. It's important to disclose tobacco use when applying for life insurance to ensure accurate pricing and coverage.

Do insurance companies check for tobacco use?

Yes, many insurance companies test for tobacco use through a nicotine test, which can detect the presence of nicotine in your system for up to several weeks after use. Some companies may also ask about tobacco use on their application or require a medical exam with questions about tobacco use.

What happens if my insurance finds out I lied about tobacco use?

If your insurance company finds out you lied about tobacco use on your application, they may deny your claim or cancel your policy. It's important, to be honest on your application to avoid any issues in the future.

Meet the team

About Coach B.

After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.

In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.


More Articles

Comments

Send Us A Message