Life Insurance for Swimmers [2023]
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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Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
UPDATED: Feb 28, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Feb 28, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Carrier | Cholesterol | Weight Loss | Diabetes | Heart Attack | Blood Pressure |
---|---|---|---|---|---|
AIG | Fair | Excellent | Excellent | Good | Good |
Banner Life | Good | Good | Good | Good | Good |
Brighthouse | Fair | Fair | Fair | Good | Good |
John Hancock | Excellent | Excellent | Good | Excellent | Excellent |
Lincoln | Good | Excellent | Excellent | Good | Fair |
Mutual of Omaha | Good | Good | Good | Good | Good |
Pacific Life | Excellent | Good | Good | Good | Fair |
Protective | Good | Good | Good | Good | Good |
Prudential | Excellent | Excellent | Excellent | Good | Good |
SBLI | Excellent | Good | Fair | Good | Good |
Transamerica | Fair | Good | Fair | Good | Good |
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.
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.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
Former State Farm Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.