Life Insurance for Runners

Active and healthy people tend to get much more competitive rates on their life insurance policies. However, there is no special life insurance for runners, though life insurance rates for runners are typically lower. Running is a part of a healthy and balanced life that can lead to serious savings when it comes time to buy life insurance. Read more to see how being active, staying healthy, and running regularly can help you lower your life insurance premiums.

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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: Dec 14, 2020

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Quick Facts

  • Maintaining healthy habits and living a balanced life can aid in receiving a better life insurance classification.
  • Life insurance for healthy adults is often a lot cheaper because of their low risk classification.
  • Running is a part of a healthy, active life, but being an active runner does not automatically qualify you for life insurance discounts.
  • Life insurance companies weigh your entire medical history and lfestyle choices when determing your life insurance classification.

There are a lot of good reasons to run. It helps you look and feel better. It is good for your lungs and heart, and it can even lead to lower life insurance premiums. Being active and taking care of your body is an important part of life insurance.

But if you run, how much life insurance do you need?

Life insurance companies look closely at your lifestyle choices and medical history when deciding your life insurance classification. The healthiest people present the least amount of risk to the insurance companies.

People who stay active tend to get better life insurance rates. Does that mean term life insurance for runners is inexpensive? We’ll explore how your activity levels can affect your life insurance policy.

In the meantime, enter your ZIP code to start comparing life insurance quotes today. Not yet ready to buy life insurance for runners? Read on.

Do runners get lower life insurance rates?

Running is certainly great for your overall health. People who are in great and good overall health typically get the preffered plus life insurance designation that guarantees them the cheapest premiums.

However, just because you run actively or regularly does not mean that your life insurance company will designate you as a preferred plus customer.

Insurance companies take a close look at a number of related factors including but not limited to your lifestyle, medical history, family medical history, and BMI.

Healthier people get lower rates. It is just that simple. Being active and running regularly is an important part of a balanced, healthy lifestyle. If you are in good health, you will likely be designated within the preferred or preffered plus classifications. 

Which life insurance companies are the best for active people?

Life insurance for crossfitters and other active, healthy people tends to be cheaper. However, not all insurance companies are equal. Life insurance companies may evaluate health issues differently from one another.

This makes it all the more important to shop around when you are looking for active life insurance. One company may designate you as a preferred plus customer and another may not depending on how it does its medical evaluations.

Take a look at the table below to see how the country’s major life insurance providers evaluate common health conditions.

How Insurance Companies Evaluate Medical Conditions
CarrierCholesterolWeight LossDiabetesHeart AttackBlood Pressure
AIGFairExcellentExcellentGoodGood
Banner LifeGoodGoodGoodGoodGood
BrighthouseFairFairFairGoodGood
John HancockExcellentExcellentGoodExcellentExcellent
LincolnGoodExcellentExcellentGoodFair
Mutual of OmahaGoodGoodGoodGoodGood
Pacific LifeExcellentGoodGoodGoodFair
ProtectiveGoodGoodGoodGoodGood
PrudentialExcellentExcellentExcellentGoodGood
SBLIExcellentGoodFairGoodGood
TransamericaFairGoodFairGoodGood
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As you can see, each of the major life insurance companies look at the same medical conditions in different terms. It is in your best interest to shop around and find the life insurance policy that best meets your needs.

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Why will running help lower my life insurance rates?

Even though there is no specific discount for running, running will help you lower your life insurance costs. Running is a great way to exercise and it helps combat some key areas of concern for most major life insurers.

Though you may not find a specific life insurance for marathon runners, running can help you improve or lower the following:

  • Cholesterol
  • Weight
  • High blood pressure
  • Diabetes
  • Heart attacks

Running is good for the body and the heart. Lowering cholesterol, weight, and blood pressure helps combat one of the most common and serious diseases in America, heart disease.

Our heart is one of our most crucial organs. Due to a combination of diet and lifestyle, heart health in America isn’t as good as it could be. Staying active and living a balanced life can help you significantly reduce your risk of heart disease or heart attack.

Life Insurance for Healthy Adults

Getting life insurance is important if you want to protect the people you love from financial hardship should you pass. Healthy adults get better life insurance rates because they are less of a risk.

Finding the best life insurance for runners will be a matter of comparing life insurance rates from different companies. Check out the differences between term and permanent life insurance policies.

You can help lower your life insurance rates by running and living a balanced and healthy lifestyle. While there is no life insurance discount for runners, running helps lead you to healthy decisions and better health that will lead to lower insurance rates.

When you’re ready to start comparing affordable life insurance quotes for runners, enter your ZIP code below.

References:

  1. https://www.betterhealth.vic.gov.au/health/healthyliving/running-and-jogging-health-benefits

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