Does Chewing Tobacco Increase Life Insurance Rates? 
Does chewing tobacco cause your life insurance rates to be higher ? Yes , with just about every company out there . Currently Prudential is one of the few that does not treat chewing tobacco in the same manner they treat smoking . I am really not aware of any others that do n't charge the smokers rate . Smoker life rates run anywhere from 40 to 60 % higher costs for purchasing life coverage . Another cost of smoking . 