Quit Dipping Life Insurance Guide: How To Save Money by Lowering Your Life Insurance Premiums

Congrats, you’ve kicked the smokeless tobacco habit!

…or maybe you just want to quit dipping?

Here’s the thing: most people who quit dipping and using smokeless tobacco chewers are overpaying for life insurance. They are stuck paying expensive smoker rates because most life insurance agents don’t know how to help them get more affordable non-tobacco rates. So they’re paying 2x to 4x more than they should be paying on premiums! 

Are you currently paying smoker rates?

In this quit dipping life insurance guide I’ll show you how to lower your life insurance rates and start saving money. Saving money on monthly premium payments is possible because not all companies view smokeless tobacco use the same…

Typically…most life insurance companies follow a 12-month tobacco free guideline for smokeless tobacco. This means that you must refrain from tobacco for at least 12 months to qualify for non-tobacco life insurance rates. If you’ve used smokeless tobacco products such as:

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

…you will be classified in the more expensive tobacco (smoker) category!

These life insurance companies look for any tobacco use. The frequency of how often smokeless tobacco chewers use these products is not a determining factor. This means that you may have quit last week, but you still fall into the same higher priced tobacco category as the 2-can-a-day Copenhagen dipper!

How do life insurance companies find out about smokeless tobacco use?

Just remember to never try to hide or not disclose your current or previous use of smokeless tobacco!

First of all, it’s going to be hard to hide this fact. Your life insurance application will ask you if you use or have used tobacco products in the previous 12-months. Just be honest and say yes because if you don’t, it’s a form of insurance fraud if you lie on the application!

Secondly, most life insurance policies require a medical exam as part of the application process. As part of this exam, a nurse will come out to…

• Draw Blood
• Get Urine Sample

The insurance company will check to see if nicotine shows up in either of your tests. If you test positive for nicotine but reported you didn’t dip, your chances of getting a fair insurance offer from that company plummet. 

Even if you’ve quit dipping or able to hid your chewing tobacco habit from the insurance company, you’re still taking on a big risk. During the first 2-years a life insurance policy is under what’s called a contestability period. This means that if you die during that two-year time frame and the insurance company discovers you lied about dipping, it can deny paying out your death benefit!

(key life insurance point: honesty is the best way to deal with smokeless tobacco use on your life insurance application. There’s no reason to lie on the application and commit fraud when you can find companies that will offer non-tobacco rates to smokeless tobacco chewers and those who quit in the last year.)

Here’s how you can get non-tobacco life insurance rates if you’ve quit dipping (or still use smokeless tobacco):

Every life insurance company has specific guidelines for smokeless tobacco quitters and current chewers. This means that each company will view spit tobacco use in very different way. The key is for you to find the company that view tobacco chewers favorably and have no problems with offering a recent quitter a non-tobacco rating. 

You should always apply with a company that:

• Offers Standard Non-Tobacco Rating If You’ve 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!

On average, you will be able to save about 50% if you apply with a life insurance company that will offer a non-tobacco rating. Put another way…if you are currently paying $100 per month for life insurance with a tobacco rating, you a can secure the same policy for about $50 per month with a non-tobacco rating. That’s the best chewing tobacco life insurance rates in 2016. 

Here’s a recent comparison for a 37-year-old former skoal dipper who quit last month:

Also, you need to know that exact life insurance rates may depend on how long it’s been since you’ve used smokeless tobacco. Here’s how you can find out how much life insurance premiums may be if you’re trying to quit or quit within the last twelve months:

Give yourself a pat on the back if you’ve quit dipping this year (or even if you’re just thinking about quitting)!

Most life insurance companies still consider you a tobacco user. Fortunately…there are a select few companies that will offer you the more affordable non-tobacco rating. Dipsurance works with all the well-known life insurance companies that will offer you these rates including Prudential and Metlife.

Find out how much you can save by with your free quote:

Haven’t dipped or chewed tobacco for at least 12 months?

I’ve got really good news…you can typically qualify for a non-tobacco (nonsmoker) life insurance rate with just about any life insurance company.

Just remember that each company will view the issue a little differently. Generally, the more time that has passed since you’ve last chewed tobacco, the cheaper the life insurance premiums you get. The key is shop the rate and compare quotes from many different companies. We’ve made this really simple:

So if you’ve read this far (or scrolled down to this point) the points below summarize steps to take if you’re shopping for life insurance and quit dipping or just thinking about kicking the habit:

• Compare quotes from several life insurance companies that will offer you a non-tobacco rating. Some insurers are more lenient than others about nicotine and smokeless tobacco use. 
• Don’t leave your family vulnerable by putting off buying life insurance until you quit dipping. Here’s how dippers get non-tobacco life insurance rates. Once you’ve quit for over one year, you can compare quotes from other life insurance companies that will now offer you nonsmoker ratings. This strategy allows you to lock in coverage now at an affordable price, in case you develop health problems in the future that make you uninsurable or make rates very expensive. 
• Enroll in a tobacco-free program. There are many organizations that will offer them for free, you can find tips and resources on the killthecan.org website. 
• If you purchased life insurance as a tobacco chewer and then quit dipping, ask your life insurance company how to qualify for non-tobacco rates
• Don’t lie about your smokeless tobacco use on the life insurance application. Lying is fraud, and insurance companies may not pay out your death benefit if you die during the contestability period.