You will not have know the major life insurance carriers during 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 much higher effect on your mortality over gnaw, 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 obtained now from some of the best carriers which will save everyone a great deal on premiums. Your premiums may end up being far less than what a smoker rate class would have cost.
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
* 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 and
The rate classes noted above can change extraordinarily often
The best approach when a chewer or alternate tobacco user is looking for quality affordable and in a few cases cheap term life insurance coverage is to either contact your agent or go online and perform a search. If you employ a local agent make sure they have access to a multi carrier brokerage general agency. These sorts of agencies are sometimes up to date with all the companies offerings and can help lead you to the best company.
One of the best Term life insurance companies that offers great tobacco rates is Prudential they happen to be one of our fave carriers when with reference to getting reasonable coverage. They have been awfully assertive over the last few years and offering brilliant rates and premiums for their insured's. It may be easily worth your time to get a quote from them.

If you don't disclose 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:
Life Insurance if you use Tobacco