If you chew tobacco or “dip”, you can still get a non-smoker risk class from many companies if you do not smoke cigarettes.  Every company has different requirements to offer chewing tobacco users a non-smoker rate, so you should make sure before applying what your company’s rules are.  Some companies will require a urine specimen negative for nicotine on the exam, while others will give a non-smoker rate even if you test positive for nicotine or chew tobacco every day.  

Best companies if testing positive for nicotine

Prudential – unlimited chewing tobacco, standard-plus non-smoker rates
Lincoln National – unlimited chewing tobacco, standard non-smoker rates
John Hancock – unlimited chewing tobacco, standard non-smoker rates

Best company if testing negative for nicotine

MetLife – preferred rates on permanent insurance, standard-plus rates on term insurance

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