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Life Insurance for Runners

Key takeaways

    • Having financial protection in case of the unexpected is still an important investment for runners, no matter how healthy they are.
    • The health benefits from running can help you get better results in a medical exam and qualify for lower insurance rates.
    • Term life offers flexible coverage, level premiums, and a guaranteed death benefit to give you peace of mind and the protection you need.

Can runners save on life insurance?

Lacing up your sneakers and hitting the trails or treadmill isn’t just good for your physical and mental health – it can also help you get a better deal on life insurance.

Running has a wealth of benefits for your body and mind. It’s been proven to help with weight loss, mental health, reduced hypertension and cholesterol, and boosting the immune system.

Being in excellent shape doesn’t stop the worst from happening. Life insurance can provide crucial financial protection for those you love if you die unexpectedly. And while being a runner doesn’t guarantee better life insurance rates, being healthy can.

What factors decrease life insurance rates for runners?

When you apply for a life insurance policy, the provider will look closely at your overall health and lifestyle, including your medical history, to determine your health classification and level of risk. The healthier you are, the less of a risk you tend to be, which means more options and better rates.

While runners don’t automatically qualify for lower rates, the health benefits that come with regular and intense exercise can get you better results during your life insurance exam. Once insurance underwriters look at your overall health and lifestyle, they place you in a specific rate classification.

If you’re in good health, you’ll go into a higher rate classification and get a better deal on your policy.

Here are some common health conditions providers look for and how being a runner can improve your eligibility.


Having high cholesterol can easily increase your insurance rates, and it’s something providers will look for during your medical exam. When you schedule an exam, the medical technician will test your total blood cholesterol level and the ratios of your HDL and LDL cholesterols.

HDL (high-density lipoprotein) carries cholesterol back to your liver to flush it out, lowering your risk of heart conditions, while LDL (low-density lipoprotein) increases health risks. Regular exercise like running helps increase HDL levels, improving your overall numbers and resulting in a better exam.

Stress and Mental Health

Signs of stress and mental health issues, such as anxiety or depression, can raise red flags during the life insurance application process since these conditions may lower your life expectancy. Life insurance companies will want to know the severity of your mental health conditions, diagnosis timing and length, and your treatment plan or prescribed medications.

Running releases biochemicals like endorphins and endocannabinoids that reduce pain and stress, producing a relaxed, happy feeling. The cardiovascular workout can also improve brain function and decrease cognitive decline because of aging or illness.


Diabetes can result in health complications like strokes, kidney failure, and heart attacks. When life insurance underwriters assess your health, they’ll look at factors like your age, type and severity of diabetes, your treatment plan, and any side effects.

The good news: Running helps improve your blood sugar numbers and even manage insulin sensitivity if you have Type 2 diabetes. Providers may even factor in running as part of your diabetes treatment or control plan.

Heart Disease

Heart health history is an important part of your life insurance health assessment. Life insurance companies will want to know whether you are taking any medications for heart health and how likely you are to suffer from a heart attack or other disease. And if you’ve had one already, they may examine your records, doctor’s reports, the timing and cause of your attack, test results, and more.

Running even just a few minutes a day can decrease the risk of dying of heart disease by around 30%. Intense exercise also strengthens your blood vessels, increasing your longevity.

Blood Pressure

Like cholesterol, high blood pressure can often lead to higher life insurance rates. Medical technicians typically take several readings for your diastolic/systolic blood pressure and then average them for a more accurate result. They’ll also check your medical records for older readings and see if you are or have been on any blood pressure medication.

Running can help decrease your rates by lowering blood pressure and strengthening your heart, so it can pump without putting as much pressure on your arteries.

Weight Issues

Height, weight, and build are all things life insurance companies will take into consideration when assessing your health. Dealing with weight problems could impact your health classification, which determines your premium rates. Each life insurance company will handle this differently.

Running has been linked to healthy weight loss and control, helping you burn calories, reduce abdominal fat, and stay active.

Popular life insurance for runners

Term life insurance offers flexible and affordable coverage, making it the most popular policy choice. You can choose your own amount of coverage and term length, typically between 10 to 30 years, and you will receive a guaranteed death benefit if you die during the length of your policy’s term.

Term life also offers level premiums, so you can set your terms upfront and know that your payments will never change unexpectedly.

Fidelity Life offers a range of flexible term life products at affordable rates. A policy for a healthy 30-year-old with $250,000 in coverage can cost less than $18 a month. We use industry-leading technology to determine your need for a medical exam, which can be waived if you’re in excellent health. With Fidelity Life’s RAPIDecision Life, you can get immediate coverage and wait up to six months to take a medical exam.

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