Life Insurance for Runners (Discounts & Rates)

Life insurance for runners costs $24.64 per month on average. Running regularly reduces your risk of heart disease, high blood pressure, and helps control stress and regulate your weight. All those health benefits can help you secure better than average life insurance rates for runners, potentially receiving standard plus, preferred, or even preferred plus life insurance premiums.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 29, 2021

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The Highlights

  • Life insurance for runners costs $24.64 per month on average
  • Usually, people who enjoy running have no issues securing traditional whole and term life insurance policies
  • The health benefits associated with running can help you earn standard plus, preferred, or preferred plus life insurance rates

Life insurance for runners costs $24.64 per month on average. There is no specific life insurance company for runners. But the health benefits from running can help you earn cheaper than average rates.

Below, learn how much life insurance costs people who enjoy running and discover suitable policy options for you.

When you’re ready to buy life insurance for runners, enter your ZIP code into our free quote tool above to receive rates from the top providers near you.

What are the average life insurance rates for runners?

People who choose running as their primary means of exercise pay around $24.64 per month for life insurance.

Running leads to many health benefits, most of which help your chances of securing cheap life insurance.

When you apply for life insurance, an underwriter analyzes your medical record and lifestyle choices to predict how high or low risk you are to insure.

People in average health are placed in the standard rating tier, paying the base level for life insurance coverage.

However, many athletes qualify for even cheaper tiers, known as standard plus, preferred, and preferred plus.

The table below compares what a healthy 35-year-old pays for a 20-year term policy with a $500,000 death benefit at the different rating tiers relevant to runners.

Average Monthly Life Insurance Rates for Runners by Rating Tier
Rating TierAverage Monthly Life Insurance Rates for Runners
Preferred plus$12.32
Preferred$15.52
Standard plus$21.19
Standard$24.64
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Assuming you’re in good health, you’ll quickly secure affordable life insurance premiums.

What health conditions affect life insurance, and how does running help? Hypertension, heart disease, and even obesity are considered pre-existing conditions by most life insurance providers.

Fortunately, running improves your heart health, weight control, blood pressure, and even helps reduce stress.

According to the Journal of the American College of Cardiology, slowly running only five to ten minutes per day reduces your risk of all causes of mortality as well as cardiovascular disease.

With so many tremendous health benefits, it’s no wonder that running helps your life insurance rates.

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What are the best life insurance policy options for runners?

Often, people who enjoy running have no problem qualifying for a traditional term or whole life insurance coverage.

Term policies usually cost less but only last 10, 20, or 30 years. At the time of renewal, your life insurance rates readjust to reflect any changes in your age and health.

Whole policies cost more but do not expire as long as you continue to pay the premiums on time.

Secure your cheapest possible life insurance rates by comparing quotes from multiple providers online.

Life Insurance for Runners: The Bottom Line

Ultimately, the health benefits associated with running can lead to cheaper life insurance costs.

Consider asking about non-smoker or exercise discounts for even more affordable life insurance rates for runners.

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

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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