Did You Know Life Insurance and Smokeless Tobacco are Different from Life Insurance & Cigarettes
Whenever a cigarette smoker applies for life insurance, they’re assessed as being a higher risk to the life insurance company and wind up paying more in premiums than a non-smoker. The long and short of it is that smoking cigarette puts you in greater danger of dying.
According to Action on Smoking and Health, “a 30-year-old smoker is expected to live thirty five more years, whereas a 30-year-old nonsmoker is expected to live fifty three more years.” Smokers live shorter lives than non smokers. This is not new information.
Even if a person only smokes the occasional cigarette, the fact that they’ve smoked in the last 12 months will see that they pay more for insurance. It’s only by having other, related health issues that a heavy smoker is more heavily penalized than someone who smokes less.
Get Non Smoker rates even if you Chew Tobacco:
What’s important to know, however, is that combining life insurance and smokeless tobacco poses less of a problem for the insurance seeker. Some insurance companies differentiate between life insurance and smoking and life insurance and smokeless tobacco. If you are someone who uses chewing tobacco, snuff, a nicotine patch or the like, you could pay less for insurance than someone who smokes cigarettes. Some term life insurance companies are separating the smoker and smokeless tobacco users now.
In these instances, insurance companies are assessing risk a little more deeply; basing their decision on the fact that the smoke or the process of inhalation with smoking poses greater health risks and, therefore, increases the risk of death. If you’ve been searching for affordable insurance but have been unable to quit smoking, perhaps substituting a smokeless tobacco is a good solution in the meantime.
Call us to find life insurance rates for chewing tobacco users:
If you’re interested in learning more about life insurance and smokeless tobacco, it’s best to contact one of our licensed life insurance agent. Because they are likely to know which particular life insurance companies differentiate between types of tobacco, they could save you a lot of time in your research. TermLife-Insurnace.com knows which life companies offer smokeless tobacco life insurance rates. If you come to us you will not you will get advice on how to NOT pay smokers life insurance rates.
With our help, you can compare the rates offered by those companies favoring life insurance and smokeless tobacco over cigarettes and then make your decision to either switch the tobacco you use or, better yet, quit altogether.