Does Chewing Tobacco Increase Life Insurance Rates? 
That is a great question ! And a really good reason why an independent agent is worth a ton of money to you . Most companies will ask a question along the lines of `` do you use nicotine in any form '' , but there are some that ask more specific questions , that do n't mention chewing tobacco . That said , the incidences of throat and mouth cancers are through the roof for chewing tobacco users , so if it is n't life insurance costs , it will be health insurance costs . Please consider stopping before you become another statistic . Thanks for asking ! 