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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Ty Stewart
Licensed Life Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Life Insurance Agent
UPDATED: Nov 27, 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: Nov 27, 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.
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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.
Your life insurance quotes are always free.
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Case Studies: Life Insurance for Swimmers
Case Study 1: Sarah’s Affordable Coverage
Sarah, a 35-year-old regular swimmer, was in excellent health and led an active lifestyle. She decided to purchase life insurance to ensure the financial security of her family in case of her untimely demise.
Due to her healthy habits and overall well-being, Sarah was able to secure a term life insurance policy at a significantly lower premium compared to individuals with less healthy lifestyles.
Case Study 2: Michael’s Competitive Advantage
Michael was a professional swimmer who participated in high-level swimming competitions. Despite the rigorous training and potential risks associated with his profession, Michael was able to obtain life insurance coverage.
While his premium rates were not specifically discounted because of his swimming profession, his excellent overall health and fitness level played a significant role in securing a competitive life insurance policy.
Case Study 3: Emily’s Long-Term Savings
Emily, a 25-year-old swimmer, recognized the importance of life insurance coverage early on. She understood that obtaining coverage at a young age would not only provide financial protection but also save her money in the long run.
By purchasing a term life insurance policy while she was young and healthy, Emily locked in affordable premium rates that would remain unchanged for the duration of her policy.
Frequently Asked Questions
Can swimmers get life insurance coverage?
Yes, swimmers can typically get life insurance coverage. However, certain factors such as swimming at a professional or competitive level, participating in high-risk water sports, or having pre-existing medical conditions related to swimming may affect the availability and terms of coverage.
What types of life insurance are available for swimmers?
Swimmers can typically choose from two main types of life insurance: term life insurance and permanent life insurance.
- Term life insurance provides coverage for a specified period (e.g., 10, 20, or 30 years)
- Permanent life insurance offers coverage for the entire lifetime of the insured.
Do swimmers pay higher premiums for life insurance?
The premiums for life insurance can vary depending on various factors, including the insurer, policy type, coverage amount, and the individual’s risk profile. While swimming alone may not necessarily result in higher premiums, other factors such as participation in high-risk water activities or pre-existing medical conditions related to swimming could potentially impact the premium rates.
What factors do insurers consider when assessing life insurance applications for swimmers?
When assessing life insurance applications for swimmers, insurers typically consider factors such as the individual’s overall health, swimming proficiency and experience, participation in high-risk water activities, any pre-existing medical conditions related to swimming, and the level of risk associated with the swimmer’s chosen activities.
Are there any exclusions or limitations in life insurance policies for swimmers?
Life insurance policies may contain certain exclusions or limitations related to swimming or other water activities. These exclusions or limitations could vary between insurers and policies. It’s important to carefully review the policy terms and conditions to understand any specific exclusions or limitations that may apply.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Ty Stewart
Licensed Life Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Life 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.
