Yes, nicotine and tobacco can and will affect the price of your life insurance policy or plan. There are some carriers thought that are not as harsh for Chewers, Cigar and Pipe smokers check out the article below for more information.
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You might not have know the major life insurance carriers during the last few years have eased the underwriting limitations quite a lot on insureds who use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.
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the best way when a chewer or alternate tobacco user is looking for quality affordable and in some cases cheap term life insurance coverage is to either contact your agent or go surfing and do a search. If you use a local agent make sure they have access to a multi carrier brokerage general agency. These sorts of agencies are often up to date with all of the companies offerings and can help lead you to the best company. Take care if your agent is what they call a captive agent meaning they typicall only represent one carrier you’ll be stuck with there tobacco guidelines.
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