Does Chewing Tobacco Increase Life Insurance Rates? 
Yes Yes Yes . Definitely . Absolutely . I can not be clearer . Tobacco of any kind in any manner will add nicotine to your blood . As soon as that nicotine is detected , life insurance rates will reflect that fact . You need to stop chewing for many reasons , not just the insurance rates . Once you have stopped for several months , you will see your rates go way down . Thank you . GARY LANE . 