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: May 19, 2021

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The Brief

  • Life insurance for swimmers costs $24.64 per month on average
  • The health benefits associated with swimming may help you qualify for cheaper than average rates
  • Swimming can also help manage some pre-existing conditions

On average, life insurance for swimmers costs $24.64 per month. However, the health benefits associated with swimming may help you earn standard plus, preferred, or preferred plus rates.

Below, compare sample life insurance rates and learn how swimming benefits you.

Compare affordable life insurance for swimmers by entering your ZIP code into our free quote tool above.

What are the average life insurance rates for swimmers?

While life insurance rates for swimmers cost $24.64 per month on average, swimming improves your health in ways that can lower that amount.

People in average health earn the standard life insurance rates. However, people in above-average health often qualify for standard plus, preferred, and preferred plus premiums.

Exercise and cheap life insurance go hand-in-hand. Life insurance for crossfitters, swimmers, runners, and cyclists often costs less than average.

Compare the average monthly life insurance costs for a healthy 35-year old at the various rating tiers for a 20-year term policy with a $500,000 death benefit:

  • Preferred plus – $12.32
  • Preferred – $15.52
  • Standard plus – $21.19
  • Standard – $24.64

If you’re in good health, you can apply for traditionally underwritten life insurance, including:

Some companies advertise special swimmers insurance rates, including Health I.Q.; however, not every insurer is active in every region.

To find the best life insurance company for swimmers in your area, compare rates from multiple providers online.

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Why does swimming impact life insurance?

Life insurance rates reflect your risk level. The healthier you are, the lower risk you pose to the provider; therefore, you earn the cheapest premiums.

Studies prove that swimming is an incredibly healthy activity that benefits both athletes and regular people in ways that improve your life insurance costs.

Experts claim swimming leads to a 53% decrease in all causes of mortality, a 10% decrease in LDL cholesterol, and reduces your stress levels.

According to the Centers for Disease Control and Prevention (CDC), hydrotherapy also benefits people with chronic diseases and rheumatoid arthritis.

Everyone from professional swimmers to children to the elderly can benefit from up to 30 minutes of light swimming.

Life Insurance for Swimmers: The Bottom Line

For the most part, you’ll have no problem securing cheap life insurance rates for swimmers. Plus, you don’t have to be a professional athlete to reap the benefits.

If you experience hypertension, obesity, anxiety, depression, or other common high-risk conditions, hydrotherapy can help manage symptoms and lead to better life insurance costs.

Buy life insurance for swimmers right now by entering your ZIP code into our free quote tool below.