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Comparison Between Smoker And Non-Smoker Rates How Do Chew Users Get Non-Smoker Rates Favorable Carriers That Insure Chew Users At Non-Smoker Rates WaitOne Carrier Stands Out Above The Rest Other Carriers That Will Insure Chew Users Now You Know How Chew Users Obtain Life Insurance At Cheap Rates Lets start by describing why life insurance carriers lump tobacco chew and dip users into the smoking rates category