Does Chewing Tobacco Increase Life Insurance Rates? 
In most cases , yes chewing tobacco is viewed by the majority of life insurance companies the same as smoking . Nicotine is the key addictive ingredient that causes a higher rating . Therefore , nicotine gum and patches are rated as well . Life insurance companies typically double or triple rates based on nicotine use . However , there are a few carriers that under certain circumstances will underwrite you at a non tobacco rate . feel free to contact me if you have any further questions . I am always glad to help . 