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How Chewing Tobacco Affects Life Insurance Premiums Although chewing tobacco carries many of the same risks as smoking, including cancer of the mouth, throat, and pancreas, some insurance companies distinguish between the two

doi: 10.1007/s12603-016-0700-7 13

Tobacco causes mouth cancer

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You should always apply with a company that: Offers Standard Non-Tobacco Rating If Youve Quit Smokeless Tobacco Products in Last 12-Months Offers Standard Non-Tobacco Ratings to Current Smokeless Tobacco Chewers Special Tobacco Ratings If Your Health Does Not Qualify for Standard Non-Tobacco Ratings this is the key to saving money on life insurance