How long should you wait to apply for Life insurance after quiting chewing tobacco?

Chewing tobacco underwriting varies by company.

Some life insurance companies will consider you to be a tobacco user for 1 year after you quit chewing.

The good news is that there are some life insurance companies that could care less about chewing tobacco and will offer you their non-tobacco life insurance rates today! In fact, you could chew tobacco at your insurance paramed exam and still qualify for non-tobacco rates.