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Smokeless tobacco life insurance caters to individuals who use chewing tobacco, snuff, or similar products
This chart shows that smokers pay much more than non-smokers for a standard 20-year term life insurance policy
Dip and chew is allowed right in their guidelines (it's unlimited use, they don't care how much you dip or chew) and you can test positive for nicotine on the exam and still get that non-tobacco rate
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