Life Insurance for Swimmers

Life insurance for swimmers can be a lot cheaper than for non-swimmers. However, there is no specific discount offered to swimmers. Life insurance companies examine your overall health, medical history, lifestyle, and more when determining your life insurance rates. Read more to find out why regular swimmers save on life insurance and how to get the best life insurance rates for swimmers.

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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

  • Healthy, active lifestyle choices can lead to significantly reduced life insurance rates.
  • Swimming is a great activity for heart health, and regular swimming can drastically reduce a person’s chances of developing and dying from heart disease.
  • Life insurance companies base your rates on more than just your lifestyle choices. Swimming alone may not lead to lower rates on your insurance coverage.

Life insurance companies factor in all relevant risks when determining insurance rates for each individual person. Active, healthy lifestyle choices often lead to lower insurance rates since they tend to lead to longer life expectancy.

Life insurance for swimmers can often be a lot more affordable since swimmers tend to be in good shape and lead healthy lives. However, activity and lifestyle are not the only factors life insurance companies look at when determining how much coverage you can get and how much coverage will cost you.

Before you choose life insurance coverage, be sure to shop around and compare rates from a number of different life insurance companies. Ask yourself, how much life insurance do I need? You are likely to find that some life insurance companies will give you better rates than others.

When you’re ready to start comparing life insurance for people in good health in your local area, enter your ZIP code to find affordable life insurance for swimmers. Not yet ready to buy life insurance for swimmers? Read on.

Life Insurance for Healthy Swimmers

You’re healthy, you’re active, you swim regularly, and you eat healthy. Life insurance coverage is not a pressing concern for you. However, getting life insurance coverage is extremely important, and if you are healthy and active, there is no better time to get covered.

Term life insurance for healthy adults is significantly cheaper. You can get a great policy at a great price and start protecting the future of your family in the event that you pass away prematurely.

You may think life insurance coverage is unecessary at this point in your life, but getting covered now can help you save money on insurance premiums in the future. Waiting 10, 20, 30, or even 40 years to purchase the same life insurance coverage will cost you more money the longer you wait.

While life insurance may not be a big concern for you right now, one day it might be. Set yourself up for a promising future and get covered.

Life Insurance for Endurance Athletes

While there is no specific discount applied to life insurance policies for endurance athletes like swimmers or runners, swimming has a number of positive affects on a person’s overall health. Swimming helps lower blood pressure, cholesterol, and more.

Even though swimming won’t give you better life insurance rates, having low blood pressure, cholesterol, BMI, and more can. Life insurance for active people can be so much cheaper, but your medical history plays a big role in determining your life insurance costs.

Take a closer look at how major insurance companies classify common health conditions when determining policy costs.

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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Swimming can help you lower and combat most of the conditions listed above. Regular activity is essential to any healthy lifestyle. Insurance companies like to see people take care of their bodies by staying active and eating right.

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Why is life insurance important for young, healthy, active people?

Young, active, and healthy people often balk at the idea of getting life insurance coverage. They wonder why they should get life insurance when there is little chance they will pass away any time soon.

There are many good reasons to get life insurance coverage now. If you have someone who relies on you financially, a spouse or partner, a child, a business, or a business partner, they could be left in a tough situation if you pass unexpectadely.

If someone cosigned your debt with you, they will be left holding the bag for your financial responsiblities.

Before you think there is no reason for you to get life insurance coverage, take inventory of your life and financial obligations.

Should you start comparing life insurance quotes today?

It is never too early to start comparing life insurance rates. The best approach to purchasing life insurance is shopping around. Take your time and speak with a number of different companies and see what they have to offer you in terms of life insurance policy.

Don’t make the mistake of thinking every insurance company is going to give you the same rates. They won’t. Every insurance company follows its own internal guidlines when it comes to underwriting life insurance policies.

When you’re ready to start comparing life insurance quotes for swimmers, enter your ZIP code below. Which life insurance company for swimmers is for you? Find out now.

References:

  1. https://www.swimming.org/justswim/8-benefits-of-swimming/

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