Life Insurance for Swimmers

When you buy life insurance for swimmers, you will want to go with a term life insurance policy if you don't need coverage for the rest of your life. It all depends on your personal situation. Swimmers are seen as low-risk individuals by life insurance companies. Low-risk people almost always qualify for significantly cheaper rates than high-risk individuals. Compare rates to find life insurance quotes for swimmers.

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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: Sep 14, 2021

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The Rundown

  • Swimmers are seen as low-risk by life insurance companies
  • Always inquire about relevant discounts to chip away your rates
  • The type of coverage you’ll want will be dependent upon how long you want your policy to be active

Since you’re here today, you must be wondering about life insurance for swimmers and how your rates will be affected. Is it like life insurance for cyclists or life insurance for crossfitters?

Throughout this article, we will cover how and why life insurance rates for swimmers are affected.

Before we move on to life insurance for swimmers, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable life insurance for swimmers in your area.

Is life insurance for swimmers more expensive?

Swimmers are seen as very healthy individuals by insurance companies. Swimmers have a lower risk of premature death, i.e. swimmers rarely suffer from heart disease.

In fact, the International Journal of Aquatic Research and Education stated that swimming results in a 53 percent decrease in all-cause mortality risk.

One’s life insurance rates are directly connected to their own level of risk. So, swimmers’ insurance quotes will almost certainly be cheaper.

Let’s now compare whole and term life insurance and see what form of coverage suits your needs.

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What type of insurance should I get?

The form of life insurance you choose will mostly depend on how long you need coverage. According to the Insurance Information Institute, term life insurance is for those who need coverage for a specific amount of time.

Term life insurance is also what you will need if you are operating on a limited budget. Let’s now take a look at a table that shows the rates for term life offered to men of various ages.

Male Term Average Monthly Life Insurance Rates by Age and Policy Value
Age$100,000 Policy Sample Monthly Rates for Males$250,000 Policy Sample Monthly Rates for Males$500,000 Policy Sample Monthly Rates for Males$1,000,000 Policy Sample Monthly Rates for Males
20$9.03$12.90$19.69$34.62
30$9.03$13.11$20.12$38.27
40$10.92$19.01$32.68$58.48
50$22.27$40.85$74.39$143.96
60$53.23$110.28$205.97$406.54
70$207.52$411.85$804.87$1,546.62
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As you can see, the older one gets, the more they will pay. Life insurance companies analyze health-risk and age is a factor just the same as being a swimmer.

This is something you will see consistently when you compare life insurance quotes. Let’s now wrap up with how you can lower what you are paying for your coverage.

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Can I lower my rates more?

No matter which insurer you choose, we strongly recommend not only telling them you are a swimmer, but anything that might net you a discount. Major insurance companies offer a vast amount to choose from.

You can get discounts for paying on time, being a homeowner, and there’s even a discount if your swimmer is also a student.

To review, life insurance for swimmers is actually quite easy to obtain. In fact, you can type your ZIP code into our free and helpful tool below to find life insurance companies for swimmers in your area.

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