From In-Portal Developers Guide

When seeking a life insurance coverage the insurance company will often do many tests to set your charge and gauge your lifestyle. This consists of seeking your history in both job and health, along with taking some physical tests. One of these contains, often, a urine test if there are any medications or other hazardous agents in one's body, often completed arbitrarily to obtain the most effective results to see. They search for nicotine as well, to see if you are a smoker, even if they ask you beforehand when they do this test. It's maybe not unusual for individuals to sit about smoking to try and get better insurance costs, just like Full Posting.

If you don't smoke and are chewing tobacco and are worried that life insurance for tobacco chewers is as poor as that for smokers, this is the purpose you do not have to stress. If there is no nicotine in the body your tobacco could be probably chewed by you while conversing with the people and they would not care--at least not in terms of the insurance rate, personally they mightn't enjoy someone biting obnoxiously inside their office. They are different enough from these that accompany smoking that the insurance companies usually move them as two different things while there are different health conditions that accompany chewing tobacco.

Some insurance providers, nevertheless, are not so lenient toward chewing tobacco. When shopping around for life insurance it may be far better seek out an insurance broker or advisor, somebody who knows the ins and outs of the local insurance companies and might help you find just what you're searching for. They understand the restrictions and those will overlook chewing tobacco and can easily send you in the proper course to have the best rate and package for you without having any issues, problems or concerns.