Best Life Insurance Policies for Tobacco Chewers in 2025 (Top 10 Companies)

Top companies like Transamerica, Banner Life, and Pacific Life offered the best life insurance policies for tobacco chewers. Discover these leaders with their competitive rates, tailored policies, and considerations for age, health, and tobacco use frequency.

If you are a tobacco chewer, it’s important to understand the risks associated with tobacco chewing and how it can impact your life insurance rates.

Our Top 10 Best Companies: Best Life Insurance Policies For Tobacco Chewers

In this article, we will explore the health implications of tobacco chewing, how insurance companies view tobacco chewers, factors that influence life insurance rates for tobacco chewers, the top life insurance policies available, tips for getting the best rates as a tobacco chewer, and real-life case studies.

By the end of this article, you will have a better understanding of the best life insurance policies for tobacco chewers.

#1 – Transamerica: Chewer Discount Leader

Pros

• Up to 10% tobacco-friendly discount: Transamerica offers a substantial discount for tobacco users, providing potential savings on life insurance premiums.
• Up to 12% chewer savings discount: Chewers can benefit from an additional discount of up to 12%, enhancing overall cost savings.
• Chewer discount: Transamerica is recognized for its specific focus on providing favorable policies and discounts for tobacco chewers.

Cons

• Limited information: The content does not provide detailed information on specific policy features or terms offered by Transamerica.
• Lack of comprehensive ratings: The article doesn’t include comprehensive ratings or customer reviews for Transamerica, making it challenging to assess overall customer satisfaction.

Read more: Transamerica Life Insurance Company Review

#2 – Banner Life: Tobacco Advantage Champion

Pros

• Up to 12% tobacco-friendly discount: Banner Life offers a competitive discount for tobacco users, potentially reducing life insurance costs.
• Up to 14% chewer savings discount: With an additional discount of up to 14%, Banner Life provides significant savings opportunities for tobacco chewers.
• Tobacco advantage: Banner Life is highlighted as an advantageous choice for individuals using tobacco chew products.

Cons

• Lack of policy details: The content lacks specific information about the policy options and features available through Banner Life.
• Limited customer feedback: Without comprehensive customer reviews or ratings, it’s challenging to gauge the overall satisfaction of policyholders with Banner Life.

Read more: Banner Life Insurance Company Review

#3 – Pacific Life: Tobacco Flex Innovator

Pros

• Up to 8% tobacco-friendly discount: Pacific Life offers a discount for tobacco users, providing potential savings on life insurance premiums.
• Up to 10% chewer savings discount: Chewers can benefit from an additional discount of up to 10%, contributing to overall cost savings.
• Tobacco flex: Pacific Life is recognized for offering flexibility tailored to the needs of tobacco users.

Cons

• Limited policy information: The article lacks detailed information on the specific life insurance policies and features provided by Pacific Life.
• Incomplete customer insights: Without comprehensive customer feedback, it’s challenging to assess the overall satisfaction of Pacific Life policyholders.

Read more: Pacific Life Insurance Company Review

#4 – AIG: Chewer Advantage Excellence

Pros

• Up to 15% tobacco-friendly discount: AIG provides a significant discount for tobacco users, potentially resulting in substantial savings on life insurance premiums.
• Up to 18% chewer advantage: Chewers can benefit from an additional advantage with a discount of up to 18%, enhancing overall cost savings.
• Chewer advantage: AIG is highlighted as an advantageous choice for individuals using tobacco chew products.

Cons

• Limited policy details: The content lacks specific information about the various life insurance policies and their features offered by AIG.
• Limited customer feedback: Without comprehensive customer reviews or ratings, it’s challenging to assess the overall satisfaction of policyholders with AIG.

#5 – Prudential: Tobacco Ease Specialist

Pros

• Up to 12% tobacco-friendly discount: Prudential offers a competitive discount for tobacco users, potentially reducing life insurance costs.
• Up to 15% chewer savings discount: Chewers can benefit from an additional discount of up to 15%, providing substantial overall savings.
• Tobacco ease: Prudential is recognized for providing ease and convenience tailored to the needs of tobacco users.

Cons

• Limited policy information: The content lacks detailed information on the specific life insurance policies and features provided by Prudential.
• Incomplete customer Insights: Without comprehensive customer feedback, it’s challenging to assess the overall satisfaction of Prudential policyholders.

#6 – Lincoln Financial Group: Chewer Savings Provider

Pros

• Up to 10% chewer savings: Lincoln Financial Group provides a substantial discount of up to 10%, offering cost savings on life insurance premiums specifically designed for tobacco chewers.
• Chewer savings: Lincoln Financial Group’s focus on providing dedicated savings options for tobacco chewers showcases a commitment to meeting the unique needs of this demographic.
• Reputable financial institution: Lincoln Financial Group is a well-established and reputable financial institution, instilling confidence in policyholders regarding the stability and reliability of their life insurance offerings.

Cons

• Limited policy information: The content lacks detailed information on the specific life insurance policies and features offered by Lincoln Financial Group.
• Incomplete customer insights: Without comprehensive customer feedback, it’s challenging to assess the overall satisfaction of Lincoln Financial Group policyholders.

#7 – MetLife: Savings Program Innovator

Pros

• Up to 14% tobacco-friendly discount: MetLife offers a significant discount for tobacco users, potentially resulting in substantial savings on life insurance premiums.
• Up to 16% savings program: With an additional savings program discount of up to 16%, MetLife provides substantial cost-saving opportunities.
• Savings program: MetLife is recognized for offering a dedicated savings program for individuals using tobacco chew products.

Cons

• Limited policy details: The article lacks specific information about the various life insurance policies and their features offered by MetLife.
• Limited customer feedback: Without comprehensive customer reviews or ratings, it’s challenging to assess the overall satisfaction of MetLife policyholders.

#8 – Mutual of Omaha: Inclusive Savings Leader

Pros

• Up to 11% inclusive savings: Mutual of Omaha provides a discount of up to 11%, offering potential savings on life insurance premiums for tobacco users.
• Up to 13% inclusive savings: Chewers can benefit from an additional discount of up to 13%, contributing to overall cost savings.
• Inclusive savings: Mutual of Omaha is recognized for its inclusive savings program tailored to the needs of tobacco users.

Cons

• Limited policy information: The content lacks detailed information on the specific life insurance policies and features offered by Mutual of Omaha.
• Incomplete customer insights: Without comprehensive customer feedback, it’s challenging to assess the overall satisfaction of Mutual of Omaha policyholders.

Read more: Mutual of Omaha Insurance Company Review

#9 – Guardian Life: Chewer Special Provider

Pros

• Up to 13% tobacco-friendly discount: Guardian Life offers a competitive discount for tobacco users, potentially reducing life insurance costs.
• Up to 15% chewer savings discount: Chewers can benefit from an additional discount of up to 15%, providing substantial overall savings.
• Chewer special: Guardian Life is recognized for providing special benefits and savings options for individuals using tobacco chew products.

Cons

• Limited policy details: The content lacks detailed information on the specific life insurance policies and features provided by Guardian Life.
• Incomplete customer insights: Without comprehensive customer feedback, it’s challenging to assess the overall satisfaction of Guardian Life policyholders.

#10 – Savings Bank Life (SBLI): Chewer Inclusivity Expert

Pros

• Up to 16% chewer inclusivity: SBLI provides a significant discount of up to 16%, offering potential savings on life insurance premiums for tobacco chewers.
• Up to 20% chewer inclusivity: With an additional discount of up to 20%, SBLI provides substantial cost-saving opportunities.
• Chewer inclusivity: SBLI is recognized for its inclusive approach, offering special discounts and benefits for individuals using tobacco chew products.

Cons

• Limited policy information: The content lacks detailed information on the specific life insurance policies and features offered by SBLI.
• Limited customer feedback: Without comprehensive customer reviews or ratings, it’s challenging to assess the overall satisfaction of SBLI policyholders.

Average Monthly Life Insurance Rates for Tobacco Chewers

When it comes to life insurance rates for tobacco chewers, the costs can vary across different insurance providers. The following table provides an overview of the average monthly rates for both minimum and full coverage from some prominent insurance companies.

Average Monthly Life Insurance Rates for Tobacco Chewers

Understanding the Risks Associated with Tobacco Chewing

Tobacco chewing comes with its own set of health risks, just like smoking. Chewing tobacco exposes you to harmful chemicals and increases the risk of developing oral cancer, gum disease, and other oral health problems. It can also lead to addiction and increase the risk of heart disease and stroke. These risks are important considerations for insurance companies when assessing the risks associated with tobacco chewers.

Health Implications of Tobacco Chewing

Tobacco chewers face several health implications, including an increased risk of oral cancer, gum disease, tooth decay, and bad breath. The chemicals in chewing tobacco can cause damage to the oral tissues and lead to chronic inflammation, increasing the risk of various oral health problems.

Oral cancer is a serious concern for tobacco chewers. The habit of constantly holding tobacco in the mouth and chewing it exposes the oral tissues to carcinogenic chemicals. These chemicals can damage the DNA in the cells, leading to the development of cancerous growths. Oral cancer can affect the lips, tongue, cheeks, and other parts of the mouth, and if not detected and treated early, it can be life-threatening.

Gum disease, also known as periodontal disease, is another common health problem among tobacco chewers. The chemicals in chewing tobacco can irritate the gums, causing inflammation and infection. Over time, this can lead to gum recession, tooth loss, and even bone damage. Gum disease can also increase the risk of other systemic health issues, such as diabetes and heart disease.

In addition to oral cancer and gum disease, tobacco chewing can also contribute to tooth decay. Chewing tobacco often contains sugars, which can fuel the growth of harmful bacteria in the mouth. These bacteria produce acids that attack the tooth enamel, leading to cavities and tooth decay. Regular dental check-ups and proper oral hygiene practices are crucial for tobacco chewers to maintain good oral health.

Bad breath, or halitosis, is a common problem associated with tobacco chewing. The chemicals in chewing tobacco can leave a strong and unpleasant odor in the mouth. This can be embarrassing and affect personal relationships and social interactions. Maintaining good oral hygiene, including regular brushing, flossing, and mouthwash use, can help reduce bad breath caused by tobacco chewing.

How Insurance Companies View Tobacco Chewers

Insurance companies categorize tobacco chewers as high-risk individuals due to the associated health risks. This classification means that life insurance rates for tobacco chewers are typically higher compared to non-tobacco users. Insurance companies take into account various factors when assessing the risk, which ultimately affects the premium rates offered to tobacco chewers. (read our “Best Life Insurance Policies for Smokers” for more information)

When determining the insurance rates for tobacco chewers, insurance companies consider factors such as the duration and frequency of tobacco chewing, the individual’s overall health, and any pre-existing oral health conditions. These factors help insurance companies assess the potential risks and determine the appropriate premium rates.

It’s important for tobacco chewers to disclose their tobacco use accurately when applying for insurance. Providing false information or omitting details about tobacco chewing can lead to claim denials or policy cancellations in the future. Insurance companies have ways to verify the tobacco use status, such as medical exams or interviews, so it’s best to be transparent and honest throughout the application process.

Some insurance companies offer specialized policies for tobacco chewers, known as tobacco-specific life insurance. These policies are designed specifically for individuals who use tobacco products, including chewing tobacco. While the premiums for these policies may be higher compared to standard life insurance policies for non-tobacco users, they provide coverage tailored to the unique risks faced by tobacco chewers.

Insurance companies also take into account the efforts made by tobacco chewers to quit or reduce their tobacco use. Quitting tobacco chewing can lead to significant health benefits and potentially lower insurance rates in the future. Some insurance companies may offer lower rates or incentives for individuals who can demonstrate a commitment to quitting tobacco or have successfully quit for a certain period of time.

Factors Influencing Life Insurance Rates for Tobacco Chewers

Several factors come into play when determining life insurance rates for tobacco chewers. Insurance providers consider factors such as age, health status, frequency of tobacco use, and the type of life insurance policy chosen.

Age and Health Status

Age is an essential factor in determining life insurance rates for tobacco chewers. Younger tobacco chewers may have more competitive rates compared to older individuals due to their generally better health status. Insurance companies also consider the overall health and medical history of tobacco chewers to assess the level of risk.

For instance, insurance providers may conduct thorough medical examinations to evaluate the impact of tobacco chewing on an individual’s health. These examinations may include tests to assess lung function, oral health, and overall cardiovascular health. The results of these tests can provide insurers with a comprehensive understanding of the individual’s health status and help determine the appropriate life insurance rates.

Furthermore, insurance companies may also take into account any existing health conditions that may be exacerbated by tobacco chewing. For example, individuals with pre-existing respiratory conditions, such as asthma or chronic bronchitis, may face higher insurance rates due to the increased risk of complications associated with tobacco use.

Frequency of Tobacco Use

The frequency of tobacco use is another crucial factor insurance companies consider. Regular tobacco use can increase the risk of health complications, leading to higher insurance rates. It is important to disclose your tobacco chewing habits accurately when applying for life insurance, as any discrepancies may cause issues later.

Insurance providers may request detailed information about the number of times an individual chews tobacco per day, as well as the duration of tobacco use. This information helps insurers assess the level of risk associated with the individual’s tobacco chewing habits. Individuals who chew tobacco more frequently and for a longer duration may face higher insurance rates due to the increased likelihood of developing tobacco-related health issues.

Moreover, insurance companies may also consider the individual’s efforts to quit or reduce tobacco chewing. Some insurers offer lower rates to individuals who have successfully quit or taken steps to minimize their tobacco consumption. This highlights the importance of maintaining open and honest communication with insurance providers regarding your tobacco use habits.

Type of Life Insurance Policy

The type of life insurance policy chosen can also impact the rates for tobacco chewers. Term life insurance policies generally have lower premiums compared to whole life insurance policies. However, it’s essential to evaluate your individual needs and financial goals to determine the most suitable policy for you.

Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years, and typically offers lower premiums. This type of policy may be suitable for individuals who want coverage for a specific period, such as to protect their family during their working years or to cover a mortgage. On the other hand, whole life insurance policies provide coverage for the entire lifetime of the insured individual and often have higher premiums. These policies have a cash value component and can serve as an investment tool.

When choosing a life insurance policy, tobacco chewers should consider their long-term financial goals, such as providing for their family’s financial security or leaving a legacy. It’s important to carefully evaluate the benefits and drawbacks of each policy type and consult with a knowledgeable insurance professional to make an informed decision.

In conclusion, several factors influence life insurance rates for tobacco chewers. Age, health status, frequency of tobacco use, and the type of life insurance policy chosen all play a significant role in determining the premiums. It’s crucial for tobacco chewers to provide accurate information about their tobacco use habits and explore different policy options to find the most suitable coverage for their needs.

Top Life Insurance Policies for Tobacco Chewers

Despite the higher rates associated with tobacco chewing, there are still several life insurance policies available for tobacco chewers. These policies offer coverage and financial protection for you and your loved ones. The two most common types of life insurance policies are term life insurance and whole life insurance.

Term Life Insurance Policies

Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. These policies offer a death benefit to your beneficiaries if you pass away during the term of the policy. Term life insurance policies typically have lower premiums compared to whole life insurance policies, making them a popular choice for tobacco chewers looking for affordable coverage.

Whole Life Insurance Policies

Whole life insurance provides coverage for your entire life, as long as premiums are paid. These policies not only offer a death benefit but also accumulate cash value over time. Although whole life insurance policies generally have higher premiums compared to term life insurance, they can provide lifelong coverage and potential financial benefits depending on your long-term goals.

Tips for Getting the Best Rates as a Tobacco Chewer

While life insurance rates for tobacco chewers may be higher, there are ways to improve your chances of getting the best rates possible. Taking proactive steps to improve your health and choosing the right insurance provider are vital considerations.

Quitting Tobacco Chewing

Quitting tobacco chewing is one of the most effective ways to improve your health and potentially reduce life insurance rates over time. Insurance companies may offer lower rates to individuals who have successfully quit using tobacco for a certain period. Consider joining support programs or seeking professional help to quit tobacco chewing and lead a healthier life.

Regular Health Check-ups

Regular health check-ups and maintaining a healthy lifestyle can positively impact your life insurance rates. Proving that you are taking steps to manage your overall health can demonstrate to insurance providers that you are actively reducing the risks associated with tobacco chewing.

Choosing the Right Insurance Provider

Insurance providers have different underwriting criteria and may weigh the risks associated with tobacco chewing differently. It’s essential to shop around and compare quotes from multiple insurance companies to find the one that offers the best rates and coverage for your unique needs as a tobacco chewer.

Case Studies: Life Insurance Policies for Tobacco Chewers

Case Study 1: John’s Journey With Transamerica

John, a 45-year-old long-time tobacco chewer, embarked on securing life insurance coverage with Transamerica. Despite his habit, John was in overall good health and committed to improving his lifestyle. Motivated to reduce risks, he chose to quit tobacco chewing, joined a support program, and regularly visited his healthcare provider for check-ups.

Transamerica recognized his dedication, offering him a term life insurance policy at a competitive rate. John’s commitment to improving his health positively influenced his life insurance rates, demonstrating the effectiveness of Transamerica’s chewer-friendly policies.

Case Study 2: Sarah’s Selection of Banner Life

Sarah, a 29-year-old casual tobacco chewer, sought life insurance with Banner Life to secure her family’s financial future. Acknowledging the associated risks, Sarah had taken steps to limit her tobacco use and maintained good overall health.

After exploring various providers and policies, she opted for a whole life insurance policy with Banner Life, providing lifelong coverage and potential financial benefits. Despite being a tobacco chewer, Sarah found a policy that met her needs, showcasing Banner Life’s flexibility in catering to individuals with diverse health considerations.

Case Study 3: Pacific Life’s Innovative Approach for Mark

Mark, a 38-year-old tobacco user seeking life insurance, found an innovative approach with Pacific Life. Despite limited information on specific policies, Mark was drawn to Pacific Life’s reputation for flexibility tailored to the needs of tobacco users.

Opting for a policy with Pacific Life, Mark benefited from an 8% tobacco-friendly discount and an additional 10% chewer savings discount. While Pacific Life’s detailed policy information was lacking, Mark appreciated the tailored approach, indicating that Pacific Life’s innovative solutions were key factors in his decision-making process.