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Key Takeaways Non-smoker rates are available: Prudential and Lincoln Financial offer non-smoker rates to chewing tobacco users, potentially saving hundreds of dollars per year Most insurers charge smoker rates: The majority of life insurance companies treat all tobacco users the same, resulting in premiums two to three times higher than non-smoker rates Financial strength matters: Both Prudential and Lincoln hold A+ ratings from A.M

Cancer: Contains 28 cancer-causing agents

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There are resources and programs to help you stop smoking

Other countries have proven that making cigarette packaging plain deters smoking Cigarette packs have long served as portable advertising for tobacco companies, with smokers conveniently disseminating branding and imagery wherever they go