You might not have know that the major life insurance carriers over the last few years have eased the underwriting restrictions quite a bit on insureds who use alternate tobacco. The carriers have decided that cigarettes have a far higher effect on your mortality over chew, cigars or pipes.

What this means to you is that it is feasible to find truly cheap Chewers life assurance, Term and or Permanent life assurance coverage that wont break the bank. Non Tobacco rate classes can be acquired now from some of the best carriers which will save you a great deal on premiums. Your premiums may end up being a lot less than what a smoker rate class would have cost you.

These are some of our preferred life insurance companies that may offer great chewing tobacco life rates:

Some of the best chewing tobacco life insurance carriers:

* AIG may offer at this time Preferred Smoker
* AXA may offer at this time Preferred Tobacco
* ING-Reliastar may offer at this time Preferred Smoker
* John Hancock may offer at this time Standard-Non Tobacco
* Lincoln may offer at this time Standard-Non
* Principal may offer at this time Preferred Tobacco
* Prudential may offer at this time Non-Smoker plus
* Transamerica may offer at this time Preferred Smoker

The rate classes mentioned above can change very frequently please get a current spreadsheet of quotes and rates from your agent.
the best way when a chewer or alternate tobacco user is looking for quality affordable and in some cases inexpensive term life insurance coverage is to either contact your agent or go surfing and try a search. If you use a local agent confirm they have access to a multi carrier brokerage general agency. These kinds of agencies are usually recent with all of the companies offerings and can help steer you to the best company. Take care if your agent is what they call a captive agent meaning they typicall only represent one carrier you will be stuck with there tobacco suggestions.

One of the best Term life assurance companies that offers great tobacco rates is Prudential they happen to be one of our favorite carriers when re getting affordable coverage. They've been very aggressive over the last few years and offering superb rates and premiums for their insured's. It could be definitely worth your time to get a quote from them.

Don't lie on your application the company will find out if you use tobacco from a piss sample they get from your paramedical exam. If you do not divulge your tobacco use the carrier could reject your application.

Find out more and get great information on Term Life Insurance policies and plans at these recommended resources:
Chewing Tobacco and Life Insurance