Running is a great form of exercise. You don’t need special equipment, and you can do
it almost anywhere and anytime. It also has several excellent side health benefits.
One study found that runners have between 30 and 45 percent lower risk of dying from heart problems. Even leisure runners have better heart health and health benefits than nonrunners with average health. Although individuals who were consistent with their running workouts had fewer health concerns.
Research has also found that running can help prevent cancers, including the most common ones, such as colon and breast cancer. Colon cancer is the third most common cancer for men and women. And breast cancer is the most common one among Canadian women. The study also found that exercise may even reduce your chances of being diagnosed with prostate cancer. Statistics show that one in 8 Canadian men will get prostate cancer, and 1 in 29 will die of it.
Running can also improve your mood and combat mental health issues like depression. One study of people with depression found exercising can increase well-being, such as 30 minutes of moderate treadmill running. Some health conditions, like high blood pressure, can be reduced or controlled with good mental health practices.
So, exercise can help you live a longer, healthier life and offers many health benefits. But did you know it may even be able to save you money on life insurance rates? Start comparison shopping and ask for insurance rates for runners or exercise discounts. Buying life insurance for runners, whether you’re an athlete or just enjoy a good workout, means you’ll be able to benefit from better life insurance rates rather than average rates.
Types of Life Insurance
Term Life Insurance
Whole Life Insurance
How Does Running Impact Life Insurance Policies?
It’s a good idea to consider your options when looking at life insurance for runners by doing some comparison shopping. You could enjoy lower life insurance premiums if you’re a runner because your overall health will be excellent due to your lifestyle choices. When you buy life insurance policies, the insurance companies will be asked questions about your health and lifestyle, including any cardiovascular disease in your past. This is how life insurance companies determine your general life expectancy by gauging if you’re in excellent health. They want to offer coverage to healthy people, so they don’t have to pay out as much in benefits. The longer you’re expected to live, the lower your life insurance rates will be, and you can even ask if they have insurance rates for runners. Sometimes you’ll automatically qualify for coverage. Many different insurance companies may request you undergo a medical test or review your medical record for pre-existing conditions. Insurance underwriters review your history before an insurance company approves your policy.
In this way, your running routine and active lifestyle positively impact the life insurance quotes you’ll be offered. Your good health means you’ll be offered lower premiums. That is how you can get low rates on life insurance for runners. But, it’s still a good idea to compare quotes. Consider talking to a broker or agent about a free insurance comparison or if they have insurance rates for runners. It’s important to note the same could be applied to those engaged in other activities like cycling or swimming. These activities also have several health benefits.
Best Life Insurance Policy Options For Runners
Preferred Plus/Super Preferred
Even if you’re not in the best health, you can still get life insurance. You’ll be classified lower and will be required to pay a higher premium because of the risk that you’ll need to cash in on the policy.
As a runner, you’re likely to be able to score higher than the standard level. However, it’s important to remember that companies rate your overall health. So, a history of illnesses or conditions could keep you out of the top category. Yet, if you’re at a higher level than standard, you’ll still get higher than average life insurance rates than other life insurance customers when you decide to buy life insurance for runners. It’s always a good idea to ask for a free insurance comparison, so you know you’re getting the best policy.
Other Factors Life Insurance Companies Consider For Life Insurance Premiums
Even if you are a runner, some things can put you in a lower insurance-related classification, such as:
High cholesterol – while being active can help you develop a healthier body and lifestyle. If you’ve just started an exercise regime to battle high cholesterol, you may not get the lowest premiums.
Mental health – some of the questions you’ll be asked look into any mental health issues you have, such as anxiety. These are often seen as signs of a lower life expectancy and impact the premiums you pay.
Diabetes– if you’ve been diagnosed with diabetes, it’s likely to put you in a higher risk category. But the good news is that running can help you keep your condition under control.
Heart disease – a history of heart trouble, such as a heart attack, could also have you paying higher premiums for life insurance. Though running can help you reduce the risk of dying from heart disease if you have a personal history with the condition, it may not get you the low premiums you’d like to have.
Weight problems – if you struggle with your weight, running could actually be the key to helping you get a better price on your life insurance policy. Exercise that helps you lose weight and keep it off will earn you a higher classification with providers.
Why Pick Maple Bay Insurance As Your Life Insurance Broker?
Maple Bay is not your run-of-the-mill life insurance company. We are dedicated to finding you the best life insurance policy for your needs. Our team of insurance experts understands how important it is to you and your loved ones to have the right coverage. We aim to empower you to make confident insurance decisions by encouraging you’re to compare quotes and insurance products.
If you’re a runner, we want to help you get the lowest life insurance rates you deserve for your commitment to your health. We’ve helped thousands of other clients get life insurance that meets their needs at competitive rates. Let us discuss your coverage choices with you.
Contact us for a free quote today.