Most people understand that smoking will affect their ability to get life insurance, but what they may not realize is that any kind of tobacco use will almost assuredly raise their life insurance premiums. That includes smokeless tobacco, whether it’s chewing tobacco from a pouch or snuff from a can. Here’s how to find affordable life insurance for smokeless tobacco users.
As far as the life insurance industry is concerned, cigarette smoking isn’t the only form of tobacco use a life insurance provider considers when you are applying for a policy. If you use other tobacco-related products, like smokeless tobacco, you may have to pay more for your life insurance policy than you would if you didn’t use any of those products.
The two types of smokeless tobaccos are chewing tobacco and snuff. Chewing tobacco is sold in loose leaf, twist and plug forms. Snuff comes in moist, dry and sachet forms. The most popular form of smokeless tobacco today is moist snuff.
According to the University of Minnesota’s Department of Periodontology, there are an estimated 10 million users of smokeless tobacco products in the United States today. Using it comes with a number of health risks, however.
Health Risks of Smokeless Tobacco
Make no mistake, smoking is twice as likely to cause oral cancer than smokeless tobacco, but that doesn’t mean the latter is a much better option. Smokeless tobacco is associated with plenty of its own health problems. Using smokeless tobacco:
- Can lead to nicotine addiction
- Can cause cancer of the mouth, esophagus and pancreas
- Increases the likelihood of diseases in the mouth
- May increase the risk for death from heart disease and stroke
According to the World Health Organization, smokeless tobacco is a known cause of cancer. In addition, the nicotine in smokeless tobacco may increase the risk for sudden death from a condition where the heart does not beat properly, also known as ventricular arrhythmias. This is why insurance companies frown on any kind of tobacco usage.
Higher Premiums for Tobacco Users
Tobacco users generally pay higher premiums for their life insurance than people who don’t use tobacco because people who smoke and use tobacco products are more likely to die—and at an earlier age—than people who don’t.
Over 20 percent of all deaths in the U.S. are from tobacco use. That’s more than murders, car accidents, and HIV/AIDS combined. One person dies every six seconds from a tobacco-related disease. So it’s no wonder the insurance industry is leery when it comes to insuring tobacco/nicotine users. A life insurance company is far more likely to have to pay out a benefit to the insured—and much earlier than they’d have to for non-tobacco users.
So when it comes to people who use smokeless tobacco products, those policyholders usually have to pay higher premiums. Your best bet is to shop around to find the best policy for your particular situation. There are many varying factors involved, so it would benefit you to work with an agent who deals with these issues on a daily basis.
A licensed True Blue Life Insurance agent can help you. Just call 1-866-816-2100 and ask how you can purchase a life insurance policy as a tobacco user. There is affordable life insurance for smokers and tobacco users.
As a note of encouragement, though—just because you are currently labeled as a “tobacco user,” it doesn’t mean you’re going to have to pay higher premiums forever. In fact, let’s say you quit using tobacco-related products for a full year. You could then take a medical exam or a blood, saliva, or urine test to confirm your new status. It’s possible that the insurance company would re-evaluate your situation and then lower your premium payments as a result.
That’s great news for anyone who not only wants to lower their insurance premiums, but also improve their overall health.
Applying for Life Insurance
One of the first questions you are going to be asked when you apply for life insurance is regarding your tobacco/nicotine use. Do you currently use tobacco products? Did you quit using tobacco products within the past year? Maybe you stopped two or three years ago.
No matter what tobacco-related product you are using, some providers are going to charge you more for a life insurance policy if you admit to using any of them, past or present. Maybe you stopped chewing snuff or tobacco six months ago. Or maybe it has been a full year. Some insurance companies will require you to be free from having used any tobacco-related product for as long as five years before they’ll give you a “tobacco-free” rate.
The timing of your use matters in the eyes of the insurance company, although to what extent will vary depending on the insurer. That’s why it pays to do your research and shop around for the best policy. A licensed True Blue agent can help you with that.
Let’s Be Honest
Make sure you are honest about your smokeless tobacco usage on your life insurance application. Lying is not only considered fraud, but the truth will eventually come out when you take a medical exam that would likely include blood, saliva, or urine tests. Nicotine and other tobacco-related substances could take days, maybe even weeks or longer, to get out of your system. It really depends on how much you have used and for how long you’ve been using it.
The end result for you? Best case scenario, the insurance company will simply raise your rates and label you as a tobacco user. But you could also be refused coverage—or worse. Lying on your life insurance application isn’t worth the risk.
If you decide to pursue a no-exam policy—which probably sounds like a good idea if you use tobacco-related products—you can avoid the testing, but it will likely be more expensive as a result. The insurance company doesn’t know much about your health, so issuing a policy to you without any knowledge of your health would put them at greater risk. They cover those risks by charging higher premiums.
Affordable Life Insurance for Smokeless Tobacco Users
As a smokeless tobacco user, you have a variety of options available to you in selecting the best and most affordable life insurance policy for your given situation. This certainly requires some time and effort, but ultimately, it’s worth it. The problem is, you may not have the time to shop around and do a lot of research.
At True Blue Life Insurance, we will work with you to do that research and help you find the best policy to fit your lifestyle. You won’t have to randomly search the internet hoping to find your best solution—or what you think your best solution is. We don’t just compare rates for you. We get you insured as well. And nobody is quicker than True Blue. Our business model is built on providing instant life insurance rates and utilizing technology to get policies issued without wasting time.
A licensed True Blue Life Insurance agent can help you. Just call 1-866-816-2100 and ask how you, as a smokeless tobacco user, can purchase the best life insurance policy for your situation. There is affordable life insurance for smokeless tobacco users. Let True Blue help you find it.