What To Know About Life Insurance for Cyclists

Cycling, also called biking or bicycling, is a fun activity that can help you stay fit and healthy. Spending time outdoors is good for your mental health, as well. Since the benefits of this sport usually outweigh the risks, it can make your life insurance rates lower. Read on to learn more about how cycling can improve your life insurance rates, as well as your overall health.

Does life insurance cover cycling?

If you’re wondering if there’s life insurance for cyclists, you don’t have to worry in most circumstances. However, some insurance companies may not cover people who participate in extreme sports related to cycling, like downhill mountain biking or BMX. BMX stands for bicycle motocross, and it involves a lot of jumps, tricks, and dangerous stunts. 

Other companies could include exclusions that let them refuse to award benefits if the policy owner dies while participating in an extreme sport or other risky behavior. However, these exclusions usually don’t apply to more traditional types of cycling.

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Should cyclists get life insurance?

Many people should get life insurance to protect family members from financial hardships after they die. This is especially true for cyclists, who may be exposed to more risk than the average person. Every time you get on your bike, there’s a small risk of an accident, even if you’re cautious and stay in safe areas with low traffic.

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

You can increase your cycling safety and lower your rates by wearing a helmet and complying with other local laws for cycling. There are plenty of guidelines you can follow to bike safely in busy city settings. Avoid riding in heavy traffic or attempting stunts. While safe cycling choices will not necessarily improve your insurance rates, receiving tickets from law enforcement or having frequent accidents can increase your rates when you attempt to secure a life insurance policy.

It’s also a good idea to compare rates from several companies. Insurance businesses use various underwriting methods, and some companies may give you better rates for your cycling habits. Some companies may also give you higher rates if you participate in risky behavior such as stunts or extreme cycling.

What are the health benefits of cycling?

Cycling is an easy activity that doesn’t take much time or money. It can be a convenient, environmentally-friendly transportation method and an excellent way to exercise. The World Health Organization (WHO) recommends at least 150 minutes of moderate physical activity like cycling per week for adults 18 to 64 years old.

In 2021, the European Prospective Investigation into Cancer and Nutrition (EPIC) study found that people who go cycling regularly have a 24% lower mortality rate from all causes. Those who rode for more than five years had a 35% lower mortality rate than people who didn’t exercise regularly. This sport helps prevent cancer, heart disease, diabetes, high cholesterol levels, high blood pressure, depression, anxiety, and many other health problems. It also builds stamina and muscle mass without putting too much stress on joints. These health benefits can also lead to lower life insurance rates.

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How does cycling affect life insurance rates?

When you apply for life insurance, the company determines your rates through a process called underwriting. An underwriter considers your health, whether any relatives have a history of problems that could be hereditary, your age, hobbies like cycling, your driving record, and more. Many policies require an exam from a doctor. For most people, cycling can help lower insurance rates.

Usually, only those who are regular cyclists when they sign up for a policy can benefit from lower rates. Getting plenty of exercise can increase your underwriter’s health classification for your policy. Someone who starts cycling after they apply won’t usually see any change in their rates.

Along with being a great way to relax and enjoy nice weather, cycling can help you get lower rates for your life insurance. Even if you don’t specifically mention cycling to your insurance company, you may receive better rates for having fewer health problems and risks thanks to your cycling hobby.

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