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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

Trying to keep things eclectic here, just putting my hand in the jar and pulling out a handful of songs really

It also protects the health of your loved ones

Carcinogenesis 39 , 948954 (2018)