Does Chewing Tobacco Increase Life Insurance Rates? 
Chewing tobacco increases life insurance rates drastically with most companies . There are a handful of companies that will charge Standard range nontobacco rates for use of tobacco other than cigarettes ; however , even of those , most will charge smoker rates if nicotine is detected in the blood or urine . Chewing tobacco does put nicotine into the bloodstream , so you must use the right company to get nonsmoker rates , and you must use an agent who knows the right questions to ask -LRB- for e.g. you can not have smoked cigarettes in recent past to get this nontobacco rate , even if you only use chewing tobacco now -RRB- . An agent who specializes in Tobacco Life Insurance rates can get you a personalized nontobacco rate while using chewing tobacco . 