[Secret Revealed] How Dippers Get Non-Tobacco Life Insurance Rates

This is it, folks.

Dipsurance is about to reveal the biggest secret that most dippers (and even life insurance agents) do not know about using smokeless tobacco and getting a non-tobacco health rating.

There’s a lot of dippers out there overpaying for life insurance…in fact the most common question we get asked by tobacco chewers is:

Can I get non-tobacco rates for my life insurance premiums?

…and they ask for good reason!

Securing a non-tobacco health class means that your life insurance premiums will be much more affordable. Depending on the life insurance company, the difference in premiums could be thousands of dollars per year.

Go ahead, find out how much you can save by getting non-tobacco rates…

Here’s the thing about tobacco rates for life insurance: There should be a separate category just for smoker rates because each life insurance company views smokeless tobacco use differently!

In fact, smokeless tobacco use is not black and white in the eyes of insurance companies.

There are several life insurance companies out there that view smokeless tobacco us much more favorably than smoking. A select few of these companies will approve dippers and chewers of tobacco for non-tobacco rates.

In other words, choosing the right insurance company to apply for life insurance with can be a major advantage to your budget…or the wrong company can be a very costly added expense.

Here’s an example of the difference between non-smoking (non-tobacco) and smoking rates:

First, you need to know…

Life insurance premiums on tobacco ratings are between 2x and 4x more expensive than non-tobacco premiums for the same person. This means that if all other things are equal, such as:

• Height
• Weight
• Health Conditions
• Medical History
• Medications 
• Family Health History

…you’re going to pay 50% to 200% more for an identical tobacco rated life insurance policy!

Put another way…if you pay are currently paying $50 per month in life insurance premiums for a non-tobacco rating, you would pay between $100 and $200 per month for the same exact policy with a tobacco rating. 

Here’s an example where a 35-year old dipper of Copenhagen wants to purchase a 20-year term policy with a face amount of $250,000, but does not know the non-tobaccco secret: 

Step 1, it’s simple…

You start by getting life insurance quotes from companies that offer smokeless tobacco chewers a non-tobacco rating. This means that if you use:

• Dip
• Chewing Tobacco
• Snus
• Snuff
• Tobacco Pouches

…these life insurance companies are okay with your smokeless tobacco use!

As long as you don’t smoke, there are insurance companies out there that will offer you a non-tobacco health rating when applying for life insurance. And…these are very well-known insurance companies (household names). Dipsurance works closely with several companies including Prudential and Metlife.

We’ve made Step 1 easy.

Go ahead…get your non-tobacco quote in less than 30 seconds:

You’ve now got quotes from several companies that will offer you a non-tobacco rate…but what about your other health issues?

Most tobacco chewers view themselves as healthy, unfortunately most applicants will be considered higher risk by the insurance company. In fact, only about 5% of all life insurance applicants receive a preferred plus rating (the top health class).

Most of us have some type of health issues going on, whether it be minor conditions such as high blood pressure to something serious like diabetes.  Issues such as:

• Diseases: Any type of serious diagnosis such as cancer, heart disease, diabetes, and immune disorders are considered higher risk diseases by the insurance company.
• History of Your Health: If you have a history of obesity, eating disorders, sleep apnea, drug or alcohol addition, rehab, and DUIs are viewed as higher risk.
• Medications: Your medications are reviewed and could lead to a higher risk category
• Occupations: There are some occupations and professions that are viewed as high risk which include, airline and helicopter pilots, firefighters, underwater welders, police officers, and underground miners, to name a few.
• High Risk Hobbies: Most dippers don’t realize that hobbies such as sky diving, racing cars, scuba diving and rock climbing are considered to be a high risk by the insurance company.

Don’t worry, there is good news…

What most people don’t know: Each life insurance company has “sweet spots” in their underwriting guidelines. This means that Company A will view you different than Company B or C. That’s why it’s so important to apply with the company that views your hobbies, health, profession, etc. the most favorable!

How can you find the best life insurance company?

No worries, Dipsurance does the hard work for you…

From the list of companies that will offer you a non-tobacco rate, it’s our job to match your health issues and lifestyle with company that views them most favorably. We’ll “sell” your situation to the underwriters by informing them of your issues in the most favorable way possible.

…this process keeps most dippers out of high risk categories and keeps premiums low!

Wanna see how easy our process is?

Check out the video here for a complete walk through example of our two-step process detailed above: See an online quote in less than 30 seconds for non-tobacco rates, and then an explanation of our pre-qualification process for higher risk life insurance applicants: