Life Insurance for Runners

On average, life insurance for runners costs $24.64 per month. Fortunately, the health benefits associated with running can help you qualify for cheaper than average rates. Running helps reduce your risk of high blood pressure, heart disease, obesity and even lowers your stress levels. If you’re in excellent health, you might receive life insurance quotes for runners in the standard plus, preferred, or preferred plus rating tiers.

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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 2, 2021

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The Rundown

  • On average, life insurance for runners costs $24.64
  • Often, people who enjoy running qualify for traditionally underwritten life insurance policies
  • The health benefits from running may help you earn standard plus, preferred, or preferred plus life insurance premiums

On average, life insurance for runners costs $24.64. However, the health benefits associated with running can help you secure lower-than-average premiums.

Keep reading to learn how runners can secure cheap insurance and discover the best policy option for you.

Find the best life insurance company for runners near you by entering your ZIP code into our free quote tool above.

What are the average life insurance rates for runners?

People who run often pay around $24.64 per month for traditional life insurance from the best insurance companies.

The health benefits associated with running increase your chances of securing cheap life insurance premiums.

During the underwriting process, an underwriter checks your medical record and lifestyle choices to determine what level of risk you pose.

Those in average health earn the standard or base rates. However, like athletes, people in excellent health receive standard plus, preferred, and preferred plus rates.

In the list below, compare what a healthy 35-year-old pays for a 20-year term life insurance policy with a $500,000 death benefit at the rating tiers relevant to runners.

  • Standard: $24.64
  • Standard Plus: $21.19
  • Preferred: $15.52
  • Preferred Plus: $12.32

As you can see, you’ll quickly secure affordable life insurance for runners if you’re in otherwise good health.

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What are the best life insurance policy options for runners?

If you run as your primary means of exercise, you’ll easily qualify for traditionally underwritten term or whole life insurance coverage.

Running prevents many health concerns that life insurance providers consider to be pre-existing conditions.

This includes hypertension, heart disease, high cholesterol, obesity, and even stress.

According to the Journal of the American College of Cardiology, running at a slow pace for less than ten minutes a day reduces your risk of all causes of mortality and cardiovascular disease.

Term life insurance is the cheaper coverage option, but It lasts only 10, 20, or 30 years.

The company reevaluates your rates at the time of renewal to reflect any changes in your age and health.

Whole life insurance costs more but does not expire as long as you continue to make the premium payments.

Secure your lowest possible life insurance quotes for runners by comparing costs from multiple companies online.

Life Insurance for Runners: The Bottom Line

Fortunately, the health benefits associated with even a small amount of running can help you qualify for cheaper life insurance rates for runners.

Depending on your lifestyle and the company you use, ask about non-smoker and exercise discounts for even more savings.

Now that you’re ready to buy life insurance for runners, enter your ZIP code into our free quote tool below to start comparison shopping.

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