Is there any difference b/n smokeless and reg cigs vis-a-vis whole life ins premiums?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 22, 2010

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Insurance Question from Imperial, PA

Asked on 07/22/2010

Is there any difference b/n smokeless and reg cigs vis-a-vis whole life ins premiums? I am looking to convert term life to whole life. I use smokeless cigarettes (nic is equiv to 5-10 reg cigs/wk). Obviously the nic from smokeless cigs would show in a blood test the same as it would for reg cigs. Do life ins providers treat smokeless and reg cigs the same vis-a-vis premiums? How long should I abstain from smoking b4 giving blood to appear as non-smoker (I would of course remain smoke-free, not simply quit to dupe the ins company - I don't want to pay years of premiums only to have my family denied the benefit b/c I lied about my smoker status).

Answer given on July 22, 2010

You may have to give blood and urine.  Nicotine stays in the system for different periods for different people, but it doesn’t matter where it comes from in regards to smoking tests, smokeless tobacco or otherwise, patches included.

Always be truthful on your life insurance.  You may have to pay more now, but the worst thing that can happen is that when you pass away, the beneficiary gets nothing after all those years of paying into it, because it was determined you lied about your smoking. 

I’ve seen the question asked for up to 5 years back, so your best bet it just to be honest and pay what you have to pay.  Down the road your premiums may decrease if you have truly been nicotine/smoke free for some length of time, but there are no guarantees. 


Be honest, answer all the questions as asked.  Otherwise, you are setting yourself up for a possible bad situation.

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