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Term Life Insurance for Healthy Lifestyles

If you live a healthy life or have made lifestyle changes to improve your health, you may be rewarded with lower term life insurance premiums.

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The Best Life Insurance Rates for Healthy Individuals

Do you strive to live a healthy life? Eating well and keeping active helps you avoid medical issues and live longer. It also improves your term life insurance options and pricing.

Life insurance premiums are determined by the insurance companies and are based on mortality risk statistics. Essentially, if you’re expected to live a long, healthy life, you can expect to pay lower life insurance premiums.

Life insurance companies evaluate your application, your medical records and, if applicable, your life insurance medical exam results. They assign you a risk class based on their findings. Preferred Plus is the best risk class available.

Example of Monthly Premiums by Risk Class

Term: 20 Years | Coverage: $500,000

Age: 30

Risk Class Males Females
Preferred Plus $20.19 $16.32
Preferred $24.88 $19.71
Standard Plus $31.36 $26.69
Standard $35.90 $30.23
Preferred Tobacco $68.42 $55.24
Standard Tobacco $89.67 $67.87

Life Insurance Rewards for a Healthy Lifestyle

Healthy individuals are less likely to die prematurely. This means a life insurance company is then less likely to pay out a large death benefit sooner rather than later.

Oftentimes, people don’t buy a life insurance policy until they have a medical condition. To balance these risks, life insurance companies also need healthy clients to buy policies. There is a lot of risk management done behind the scenes to ensure a life insurance company stays solvent.

Life insurance is important for not only unhealthy individuals, but healthy ones too. Your life can change in a moment. Financially protect your loved ones with life insurance even if you’re expected to live a long, healthy life.

Quotacy works with many life insurance companies who offer incentives to healthy individuals. These incentives may include:

  • Lower premiums
  • No medical exam
  • Faster approval process

When you go through Quotacy’s online life insurance quoting tool, you’ll be asked a few health questions such as your height and weight and smoking status. If you’re eligible for any policies with healthy incentives, you’ll be shown these options.

Find out here: Term Life Insurance Quotes

Quotacy Helps Healthy People Get the Best Life Insurance Rates

Quotacy is your advocate in the life insurance industry. What do we mean by this?

When you apply for life insurance through Quotacy, your agent reviews your application before officially submitting it to the insurance company. We double-check that the company you chose will be the most favorable, in other words, be most lenient if you have any risk factors.

Example:

Do you rock climb to stay active? Life insurance companies underwrite rock climbing differently. Some are more strict with this activity. We’ll make sure you’re matched with the insurance company that will offer the best price possible.

If there is a life insurance company—different from the one you choose on our website—that will likely offer you a better price, we’ll let you know your options. It’s completely your decision if you want to switch to the recommended company or stick with your original choice. Either way, we’ll keep you updated as your application moves through the approval process.

term life for healthy lifestyles

Not sure how much term life insurance you need?

Life Insurance for Walkers

Walking is good cardio exercise, especially if you’re a fast walker that enables you to reach your target heart rate. Walking offers a wide range of physical and mental benefits while also being low impact and safer for individuals with arthritis or other joint issues.

Do you enjoy staying healthy by walking? Check now to see how little life insurance may cost you. Running a term life insurance quote is easy and you can see estimated prices instantly without giving away any contact information.

Life Insurance for Runners

Running is a great form of aerobic exercise. It can reduce stress, improve heart health, and even help alleviate symptoms of depression. Lowering these risk factors can help lower your life insurance premiums.

If you’re a runner, check now to see how little life insurance may cost you. Running a term life insurance quote is easy and you can see estimated prices instantly without giving away any contact information.

Life Insurance for Strength Trainers and Weight Lifters

For individuals who are very active strength or weight trainers, you may be deemed overweight on a BMI chart. BMI doesn’t differentiate between muscle and fat. This can be tricky when applying for life insurance.

Benefits to weight lifting include improved posture, better sleep, gaining bone density, maintaining weight loss, boosting metabolism, and lowering inflammation. Lowering these risk factors should equal lower life insurance premiums, not an obesity rating.

If you’re a weight lifter, it’s easy to run term life insurance quotes and see estimated prices instantly without giving away any contact information. However, if your BMI is high, a Quotacy agent may need to shop your case to get the best price. Not all life insurance companies are flexible about high BMI due to weight training, but some are willing to make exceptions.

term life for healthy lifestyles

Life Insurance for Cyclists

Cycling is a popular form of low-impact cardio because it can get you to and from places easily. It’s an easy exercise to fit into your daily routine by riding to the store or work.

Regular cycling has many health benefits including increased cardiovascular fitness, improved joint mobility, strengthened bones, reduced anxiety and depression. Lowering these risk factors can help lower your life insurance premiums.

If you’re a cyclist, check now to see how little life insurance may cost you. Running a term life insurance quote is easy and you can see estimated prices instantly without giving away any contact information.

Life Insurance for Yogis

There are many physical and mental benefits of yoga. Helping to manage stress is one of the best benefits. Living with unmanaged stress can cause high blood pressure, heart disease, obesity and diabetes. By being an active yoga practitioner, you’re lowering these risk factors, which can help lower your life insurance premiums.

Do you enjoy yoga? Check now to see how little life insurance may cost you. Running a term life insurance quote is easy and you can see estimated prices instantly without giving away any contact information.

term life for healthy lifestyles

Life Insurance for Vegetarians and Vegans

Overall, living a vegetarian or vegan life helps promote a healthy weight, reduces risk of heart disease, and lowers your chances of developing certain cancers. As long as you’re careful to ensure you get enough protein, calcium, iron, and vitamin B12, there are many perks to embracing a plant-based diet.

Staying healthy with the help of your plant-based diet? Check now to see how little life insurance may cost you. Running a term life insurance quote is easy and you can see estimated prices instantly without giving away any contact information.

Lifestyle Changes Get Better Life Insurance Rates

Whether you’re shopping for life insurance for the first time or looking to reapply to see if you can get lower rates, the following lifestyle changes can help your chances of getting affordable life insurance.

Exercise

Exercise lowers your blood pressure, bad cholesterol level, and risk of heart disease. Having a healthy heart and low BMI will help you live a longer life. Maintaining a healthy lifestyle helps you qualify for better life insurance rates.

Learn more: Diet and Exercise Tips for a Healthy Heart

Quit Smoking

Tobacco users have their own life insurance risk classifications separate from non-tobacco users. All things otherwise equal, a tobacco user will always pay more for life insurance than a non-tobacco user.

Not all tobacco products are evaluated equally. A cigarette smoker will receive tobacco rates but pipe smoking, chewing tobacco, electronic cigarettes, cigars, smoking cessation products (e.g. Nicorette gum) and marijuana use are all viewed a bit differently depending on the life insurance company.

Learn more: Life Insurance for Smokers

Less Alcohol

Excessive alcohol use, both in the form of heavy drinking or binge drinking, can lead to numerous health problems, chronic diseases, neurological impairments, and social problems—all of which can affect your life insurance premiums. In general, if you are a healthy individual and only drink moderate amounts of alcohol, there are life insurance companies that will consider you for their best class rates.

Learn more: Life Insurance and Alcohol Use: Buyer’s Guide

Eat Healthy

What you eat is important. Eating mindfully helps you maintain a healthy weight, and keep your heart and other vital organs in peak physical condition. Saving money and living longer are just two important benefits that you will enjoy by eating well.

Learn more: Healthy Eating – What to Look for When Choosing A Diet

Low-Risk Occupation

There are jobs which can be considered hazardous and come with a shortened life expectancy. These jobs may be considered hazardous because there’s a higher chance of an accident occurring—for example, construction workers—or it’s an unhealthy working environment—for example, miners.

All life insurance companies have occupational manuals which list the occupations deemed to have an adverse effect on mortality. If you work in one of the listed occupations, you will likely be required to pay a higher life insurance premium.

If you purchase a policy and were paying a higher rate because of your job, but then change to a less hazardous one, you may ask the life insurance company for a reconsideration. Depending on the circumstances, it’s likely they will agree to move you into a better risk class and decrease your life insurance premiums.

Learn more: How Much Is Life Insurance if You Have a Dangerous Job?

Low-Risk Hobbies

If you participate in a hobby that can be deemed risky, your life insurance premiums will be higher than the average person’s. Depending on the mortality risk associated with the hobby, your risk class will be affected, or you may be required to pay a flat extra, or you may be declined altogether.

Most recreational hobbies are considered low risk, so your community softball league or cross-stitching isn’t anything to be concerned over. According to insurance companies, the most common high-risk hobbies include: SCUBA diving, mountain climbing, backcountry skiing, skydiving, and racing.

Learn more: The Five Most Common “Risky” Hobbies That Underwriters See

Drive Carefully

If you’ve ever gotten a speeding ticket, you know how expensive it can be. Not only do you have to pay a fine, but your auto insurance premiums likely increase. DUIs can have even more serious consequences.

When you apply for life insurance, the application asks about any driving incidents and your motor vehicle records are reviewed. Typically, if you have no major violations within the past five years you can still be considered for the best rate class: Preferred Plus. If you have a habit of pushing the limits behind the wheel, the premiums offered by the life insurance company will reflect this risk. Don’t text and drive. Don’t drink and drive. Don’t Snapchat and drive. Don’t drive 20 miles over the speed limit.

Learn more: How Your Driving Record Affects Your Life Insurance

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Helpful Advice for Those with Healthy Lifestyles

What Are the Risk Factors that Affect Buying Life Insurance?

What Are the Risk Factors that Affect Buying Life Insurance?

Life insurance companies decide how much your life insurance policy will cost based on your individual risk factors. Risk factors can increase your probability of dying prematurely. In this post, we discuss common risk factors and how price is affected.

The Five Most Common “Risky” Hobbies That Underwriters See

The Five Most Common “Risky” Hobbies That Underwriters See

When you apply for life insurance, you don’t have to list all your hobbies like sewing or fishing, but there are typically questions that ask about specific “risky” hobbies. In this post, we review the top five most frequently encountered hobbies that can affect your insurance pricing.

What Is No Medical Exam Life Insurance? Accelerated Underwriting?

What Is No Medical Exam Life Insurance? Accelerated Underwriting?

Your age, health, and life insurance coverage amount will determine if you can qualify for accelerated underwriting or no medical exam. This post goes into more details on those qualifications and how the process works.

Questions? Talk with our experienced advisors.