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When it comes to buying tobacco users’ life insurance, most life insurance companies lump all tobacco together. Thus, you might only chew tobacco while playing softball with your buddies, but pay the same smoker life insurance rates as someone who smokes a pack of cigarettes per day. At Outlook Life, we have found several life insurance companies who give tobacco users a break.
If you use chewing tobacco, nicotine gum, or smoke daily cigars or pipe, we can get you NONSMOKER life insurance rates.
Although the effects of nicotine on your system will be gone in 72 hours (3 days), it can still be seen in urine samples for up to several weeks after use of nicotine products. Secondhand smoke does not show up in these tests. Some insurance companies do not require a blood or urine test, but may review medical records to determine smoking history. If you have admitted the use of chewing tobacco, cigars, pipes, or nicotine gum on your life insurance application, some companies will still allow you to be rated Nonsmoker, even if nicotine shows up in your urine or blood sample.
Smokers and Tobacco Users Life Insurance – a video by Outlook Life
That’s okay; we would love to talk to you! We have counselors standing by to answer any questions about life insurance and how we can get you affordable life insurance, and offer you an affordable tobacco users life insurance quotes by phone.