Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 18, 2021

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The Brief

  • Runners can likely find life insurance that is very affordable
  • Many runners are considered in good health, which equates to the most affordable life insurance options
  • Starting a running routine may help you lower your insurance premiums

Most adults want to know how they can save money on monthly bills. If you are paying for life insurance, you may wonder how you can pay less on your insurance rates.

Life insurance for overweight individuals and other people who do not typically pursue active lifestyles can often cost more than for those who consistently exercise.

If you are active, there is a chance you could find affordable life insurance for runners because you are more likely to live an active and healthy lifestyle.

Find out more by reading below and then enter your ZIP code above to buy affordable life insurance for runners.

Will running really lower my life insurance rates?

Because running is an activity that boosts a person’s health, it can actually lower your insurance premiums.

Running is good for overall health in many ways. It lowers a person’s blood pressure and resting heart rate, allows individuals to maintain a healthy BMI and body weight, and helps people avoid heart disease and other health concerns.

While many runners may benefit from lower life insurance rates, running alone will not get you premium rates on insurance coverage.

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What are the best life insurance companies for runners?

Life insurance for runners is often less expensive than for the average individual. But not all insurance companies are equal. Life insurance companies often evaluate a person’s health differently from one another.

Because one company could categorize you as a preferred plus customer while another assesses your lifestyle and says you are not, it is extremely important to shop around before committing to any particular company.

The table below shows many top life insurance providers and how they evaluate specific health conditions.

How Insurance Companies Evaluate Medical Conditions
CarrierCholesterol Category for Life InsuranceWeight Loss Category for Life InsuranceDiabetes Category for Life InsuranceHeart Attack Category for Life InsuranceBlood Pressure Category for Life Insurance
AIGFairExcellentExcellentGoodGood
Banner LifeGoodGoodGoodGoodGood
BrighthouseFairFairFairGoodGood
John HancockExcellentExcellentGoodExcellentExcellent
LincolnGoodExcellentExcellentGoodFair
Mutual of OmahaGoodGoodGoodGoodGood
Pacific LifeExcellentGoodGoodGoodFair
ProtectiveGoodGoodGoodGoodGood
PrudentialExcellentExcellentExcellentGoodGood
SBLIExcellentGoodFairGoodGood
TransamericaFairGoodFairGoodGood
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Most life insurance companies assess the same medical conditions, but you never know exactly what conclusions they will draw. Runners will be able to find the best life insurance policies when they shop around for affordable coverage.

What other factors influence your health classification?

Life insurance companies look at many different factors when it comes to categorizing an individual. These factors include an individual’s:

  • Age
  • Gender
  • Overall health
  • Family history
  • Lifestyle
  • Occupation
  • Tobacco use

Just as term life insurance for smokers can be more expensive than average, insurance for runners and other athletes can cost less because their overall health is excellent.

Running may allow many people to improve upon their overall health, but that does not do much to impact many of the other factors that insurance companies will likely use to create a person’s insurance rates.

Affordable Life Insurance for Runners and Athletes

Life insurance is a great option for people who want to take care of their families and loved ones in the event of death. Because healthy adults are eligible for lower insurance rates, runners may have the opportunity to pay less for their life insurance coverage.

If you would like to lower your life insurance costs, you can continue to run and stay active. Pursuing other options—like staying away from tobacco and maintaining a safe work environment—could also help you save money.

Now that you’ve read through the article, be sure to compare affordable life insurance quotes for runners below. Enter your ZIP code to get started.