---
title: "What Is Tobacco Rating? Definition | Epic Life Glossary"
description: "A tobacco rating is a higher premium class for people who use tobacco or nicotine products. It usually costs much more than the nontobacco rate."
url: https://epicline.preview.multisites.ai/glossary/tobacco-rating
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Underwriting

# Tobacco Rating

A tobacco rating is a higher premium class for people who use tobacco or nicotine products. It usually costs much more than the nontobacco rate.

## Why it matters

Carriers define tobacco use in different ways, and some include vaping, cigars, and nicotine gum or patches. Many look back 12 months or longer. Testing may check for nicotine. Quitting for the required period can allow a request to be re-rated. Answer honestly, since misstatements can affect a claim. Rules vary by carrier.

Source: [naic.org](https://content.naic.org/article/consumer-insight-life-insurance-roadmap)

[Read next, for familiesHow much does life insurance cost, and what drives the price?](https://epicline.preview.multisites.ai/life-insurance/cost)

## Where we use this term

-   [Life insurance for seniors: what you can get at 50, 60, 70, and 80](https://epicline.preview.multisites.ai/life-insurance/seniors)

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