Life Insurance for Cyclists

Life insurance for cyclists is typically cheaper than average. Because of the many health benefits associated with cycling, cyclists are often in much better health than other people their age. As a result, life insurance rates for cyclists are often cheaper than average. Cycling as little as three hours a week can significantly improve your health and help you save on cycling insurance.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 10, 2021

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The Rundown

  • Life insurance for cyclists is typically cheaper than average.
  • Regular cycling can lower blood pressure and lower the risk of heart disease.
  • Maintaining good health by cycling can help lower your life insurance premiums.

Cycling is a wonderful activity that helps keep your mind and body in shape. However, life is full of surprises, and you may be wondering if life insurance for cyclists is affordable.

Because cycling provides so many health benefits, cycling regularly can improve your health classification, helping you pay lower life insurance premiums than average. As a result, life insurance for cyclists is fairly affordable.

Keep reading below to learn about the many health benefits of cycling and how they can help you save on life insurance. But before you do, enter your ZIP code into our free comparison tool above to find affordable life insurance for cyclists from companies in your area.

How does cycling affect my life insurance premium?

So how is life insurance for cyclists determined? Well, term life insurance quotes are determined by your life insurance health classification.

During the underwriting process, your life insurance company will review your medical history and give you a medical exam to test your current physical and mental health.

Although cycling alone won’t score you any discounts, if you’ve been regularly cycling for a while, your blood pressure, weight, and cardiovascular health may be better than average, resulting in a better health classification.

With a better health classification, you pose less of a risk to life insurance companies, and will likely receive lower premiums as a result. A win-win situation.

What are the health benefits of cycling?

If you’ve been cycling before then you know it’s an easy and fun activity to do that doesn’t take much time or money.

But did you know that regular cycling as little as three hours a week can significantly improve your health?

According to Harvard Health, not only does regular cycling improve your cardiovascular system and lower your blood pressure, it’s easy on your joints and helps build muscle, stamina, and bone density.

In addition, regular exercise of any kind helps decrease stress levels and reduce anxiety and depression. Keep in mind that your mental health as well as your physical health will affect your cycling insurance premium, too.

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What’s the best way to save on life insurance for cyclists?

Continuing to ride your bike regularly is the best way to save on life insurance for cyclists. However, always remember to cycle safely. Wear a helmet and reflectors and avoid cycling during busy times or in high traffic areas.

Fortunately, the health benefits of cycling far outweigh the risks associated with cycling as long as you practice the proper safety measures.

Of course, the best way to save on life insurance for cyclists is to compare multiple quotes from different companies. Enter your ZIP code below to find affordable life insurance rates for cyclists from providers in your area.

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