Life Insurance for Cyclists

Life insurance for cyclists can cost less due to cyclists' healthier lifestyle. Cyclists may be less prone to diseases like heart disease and diabetes, which most life insurance companies will take into account. Life insurance rates for cyclists, like all people, depend on things like age and health status. Although no medical exam life insurance for cyclists is available, healthy people will get a better rate with a medical exam.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • Cyclists may pay less for life insurance because of their healthy lifestyle.
  • Most life insurance companies require a medical exam.
  • Life insurance for cyclists is available through most life insurance companies.

If you are a cyclist searching through the different types of term life insurance, then you might be wondering if cycling can help lower rates.

There are many benefits to cycling, including that it is good for both your mental and physical health. That being said, there are some risks that come with cycling.

When looking for life insurance for cyclists, you will find that most companies will consider certain risk factors when determining your rates.

If you frequently ride a bicycle on the side of the road, then there is always the risk of an accident. This is also true if you cycle through dense woods or mountainsides.

Since a medical exam is required to receive life insurance from most companies, you may find that cycling can help lower your rates, which we discuss further in the next section.

Affordable life insurance for cyclists can be easy to find, but it is important to consider multiple companies before settling on one. To compare rates from top companies in your area, use our comparison tool.

Is life insurance for cyclists more expensive?

Cyclists life insurance quotes can be lower in some cases. As mentioned above, the potential for accidents can be a factor when it comes to cyclists life insurance rates. However, cycling can actually help you save money on life insurance rates from many companies.

Cycling is an extremely healthy activity and life insurance for healthy adults can often be cheaper. That being said, life insurance isn’t so much based on fitness as it is life expectancy.

What health benefits of cycling make life insurance cheaper?

In most cases, life insurance companies require a medical exam to determine rates. The good news for frequent cyclists is they often do well on these medical exams. Cycling is not only good for your heart, but also your mind as well as the rest of your body.

Those who ride their bicycle often may be less prone to heart disease, diabetes, and a number of other ailments. Life insurance companies take all this into consideration when they determine rates.

Of course, frequent cycling doesn’t assure that you will have lower insurance rates, though it is always important to try and stay healthy.

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Which companies offer life insurance for cyclists?

When looking to buy life insurance for cyclists, you will notice that because cyclists are active, life insurance might be easier to get. An active lifestyle tends to mean a healthier person, and most companies will offer great policies to healthy people.

When trying to decide on the right company, it is important to determine your exact needs and wants for life insurance for cyclists.

While rates are an important thing to consider, it is just as important to see which life insurance companies will cover all your needs. Popular life insurance companies include State Farm, USAA, Mutual of Omaha, Northwestern Mutual, and many more. You should be able to get life insurance from most companies.

What happens during a medical exam?

The medical exam is done as part of the underwriting process of life insurance. This exam is basically a physical, much like all the other physicals you’ve had during your life. These exams are usually required by most insurance companies to receive a policy.

You might be wondering if the medical exam will cost anything. The good news is, that depending on which life insurance company you go with, your insurer will usually pay for the exam. Additionally, some companies offer no medical exam life insurance.

Life insurance companies take your medical history into consideration when determining rates. So, if you recently began cycling to get healthy, but have preexisting conditions, then you may not see many benefits when it comes to life insurance rates.

After receiving the results from your medical exam, your insurer will then determine which life insurance classification you fall into. These classifications include preferred plus, preferred, standard plus, standard, and substandard.

More information on each classification can be seen in the chart below.

Life Insurance Risk Class Qualifications
Risk Class TypeQualifications
PreferredThis class is for non-smoking individuals who are in outstanding health. Treatment for high blood pressure or high cholesterol is acceptable in this class ranking. Height and weight may be slightly over average. Lab results may also be slightly abnormal.
Preferred PlusThis class is for non-smoking individuals who are in superior health.
They have no chronic illnesses and their immediate family members did not die before the age of 60 from cancer or heart disease. Their lab results are within normal range. Weight and height profiles are also within the average range.
SmokerSmokers are often offered a specific ranking but with a smoker classification. For example, you can qualify for a Standard Smoker class. The Smoker class is not always reserved for smoking cigarettes but also can include many kinds of tobacco use. As a result, chewing tobacco and smoking cigars could increase your rates.
StandardThe Standard ranking is for non-smokers who have a normal life expectancy and average health. The individual may be receiving treatment for minor conditions. One of more of the covered's parents can have died from heart disease or cancer before the age of 60. Height and weight can be above average. Elevated lab results for blood pressure and cholesterol are accepted.
Standard PlusThe Standard Plus ranking is for non-smokers who are of average health. The height and weight of the individual may be higher than normal.
SubstandardThe Substandard class ranking is for those who need high-risk life insurance. Those with a below-average life expectancy, are obese, and/or have major health conditions, will be covered in this ranking. It is also the class ranking that will cover the sufferers of major health conditions, including diabetes and cancer.
It will also be the classification for those with abnormal lab results.
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Based on which classification you fall into, your insurer will determine your rates. Those people that prove to be of lower risk will receive lower insurance rates in most cases.

What type of life insurance should I get?

There are several different types of life insurance, each of which differs on the length of time they cover, the cost, and more. Two of the main types of life insurance coverage are term life and whole life, which are compared in the chart below.

Comparison of Whole and Term Life Insurance
Policy FeatureTerm Life Whole Life
CoverageSet period of time, usually 10, 20, or 30 yearsValid until the date of the insured’s death
ExpenseLess expensive monthly premiumMore expensive monthly premium
Investment/RatesYou pay only for insurance, these policies don’t accumulate any cash value over time.Along with the death benefit, part of your payments are invested and the value accumulates over the years. Can be borrowed against and paid back at lower rate than available commercially
RenewabilityWill need to be renewed at the end of each term, and each renewal will reflect your increase in age and any health issues you’ve developed.Lifetime policy, so once in place does not need to be renewed.
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There are some companies out there that offer a form of additional health insurance for cyclists. These companies and their policies should be heavily researched before purchasing a policy, however. Additionally, the Insurance Information Institute provided some information on insuring your bicycle.

With so many life insurance companies out there, it can be hard to determine which is the best life insurance for cyclists. Start by comparing rates from top companies in your area. Enter your ZIP code into our comparison tool below.

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