If you love to run regularly, you likely hit the pavement or spend hours each week on the treadmill because of the many health benefits, or simply because you love that runner's high that you get when you reach a certain point in your workout. The last thing that you may think about is being able to save money in different ways because you are a healthy runner. However, the reality is that life insurance for runners may be much more affordable than for individuals who do not exercise regularly, and there are several good reasons why this is true.
The Many Health Benefits of Running Regularly
There are many reasons to buy life insurance for healthy people, but before you spend time learning how affordable life insurance for runners may be, you should understand how running regularly impacts your health. By choosing to run regularly, you may be improving your mental and physical health profoundly or otherwise maintaining your already excellent health status. These are some of the many health benefits associated with running regularly:
- A decreased risk of depression and other mood-related mental disorders
- Prevention of bone and muscle loss
- The ability to lose weight or to maintain a healthy body weight
- The enhancement of growth hormone production
- A lower cholesterol level with improved heart health
- A stronger immune system
- A lower stress level
- A reduced risk for developing diabetes
Keep in mind that these are only some of the many health benefits associated with running regularly. The actual health benefits that you may enjoy may be depending on your specific running activities and other health factors, such as your diet, your sleep habits and more.
How Your Health Affects Life Insurance Rates
While it is clear that running is excellent for your health and well-being in critical ways, you may not be certain how the life insurance rates for runners are affected by this activity. When you apply for many types of life insurance, you will be asked to complete a health and lifestyle screening questionnaire. You also may be required to complete a health physical. This physical often includes a review of your height, weight and blood pressure. Samples of your blood and urine may also be tested. The purpose of the questionnaire and physical is to determine your current health status and your projected longevity or lifespan.
The health screening questionnaires vary by provider, but most of these questionnaires ask you about your exercise habits. In addition, the cumulative results of the physical exam may be superior because of your regular running activity. For example, your weight may be well below the obese or overweight level, and your body mass index may be at a very healthy level. Your blood sugar level and other factors analyzed through blood and urine samples may also indicate that you are in good or excellent health.
Life insurance companies take many factors into consideration when determining your coverage rate. Your age and gender are statistically linked to your longevity. Lifestyle factors, such as if you participate in high-risk activities like skydiving, can impact your longevity. Because your heath status is directly linked to the development of many serious medical conditions, your ability to maintain excellent health through running can help you to qualify for great rates. There are options available for life insurance with no medical exam, but if you are in good health, it is in your best interest to take the exam and earn your favorable rates by proving you are in fact in good health.
Coverage Options for Runners
Now that you understand that life insurance for runners may be more affordable than coverage for non-runners in many cases, it makes sense to lock in a great rate on coverage today. Life insurance rates are locked in at the time of purchase and generally remain the same until the policy terminates. Because your health status may never be better than it is today and because your age is progressively advancing, it makes sense to purchase the coverage that you need as soon as possible.
Many runners prefer to take advantage of the benefits of a term life insurance policy. What is term life insurance? Term life insurance is typically more affordable than permanent life insurance, but it does expire at the end of the term if the death benefits are not claimed. Term lengths generally are available up to 30 years, and shorter terms have more affordable rates.
Other runners prefer the benefits of permanent life insurance, which includes universal and whole life policies. These are permanent policies because they remain in effect until you cancel the coverage, stop paying the premium or pass away. In addition to knowing that you will always be covered by a life insurance policy, you may also appreciate the fact that permanent life insurance has a special component that accrues cash with each premium payment. This cash value earns interest as well.
Now that you understand how affordable life insurance may be for runners like you, it makes sense to compare the options. After determining what type of coverage you prefer and the coverage amount that you need, spend time analyzing offers closely so that you make a smart decision. You can use our site to get a life insurance quote estimate to get an idea of your price range, and also talk to a life insurance agent about all your options available to you.