Having recently moved home I had to re do my life insurance policy. I was asked if I had smoked any tobacco, vapor cigarettes or used any other from of cigarette replacement in the last 12 months … As I was not a smoker, I don’t see snuff as a cigarette replacement in my case… I wonder what insurance companies (I am in the UK) would make of it if I mentioned snuff . Could open a whole load of discussion with insurers and doctors many of whom don’t really understand snuffing?

Since snuff is tobacco and “it CAN damage your health and MAY be addictive”… but what do they ask more, how much chocolate you eat?

My policy here (Canada) specifies tobacco use and doesn’t even make a distinction between smoking cigarettes and the less harmful alternatives. I was quite pissed off when I found that out but not surprised. This keeps the policy prices up for the thieves.

My insurance representative told me in a round about way to answer ‘no’. She was not aware of any case where nicotine caused a survivor claim to be denied.

In the states if you claim to not use tobacco (for better rates) they will dispatch a nurse to you for a blood/saliva test for nicotine. I assume snuff would result in a positive. They don’t differentiate between different types of tobacco use- just tobacco use.

That’s a problem in the States and Canada; they ask if you use tobacco, not if you smoke. Chewing is the reason. It’s a big thing here, but extremely rare in the UK.