Smokeless tobacco refers to tobacco products that are not burned but are placed in the mouth, cheek, or nose, such as chewing tobacco, snuff, dip, and certain oral nicotine pouches containing tobacco-derived nicotine. Although smokeless products avoid inhaled smoke, they still deliver nicotine and other harmful substances that increase risks of oral cancer, gum disease, tooth loss, and cardiovascular problems. From a life insurance standpoint, many carriers classify smokeless tobacco users as tobacco or nicotine users, leading to higher premiums, while some offer distinct smokeless or nicotine-only categories. Disclosure of smokeless tobacco use is important, as undisclosed usage discovered later can affect contestability and claims.

On applications, advisors must ask about all forms of tobacco and nicotine use, including smokeless tobacco, e-cigarettes, and nicotine replacement products. Underwriters review type, frequency, and duration of use to assign the appropriate smoker, non-smoker, or intermediate class based on carrier guidelines. Some companies provide more favorable rates for non-combustible users than for cigarette smokers, while others do not. Advisors explain that even occasional smokeless use can disqualify a client from preferred non-tobacco classes. They also highlight programs that allow reclassification to non-tobacco after documented cessation. Understanding smokeless tobacco treatment in underwriting helps advisors give accurate rate expectations and encourages honest, complete disclosure.