Life Insurance for Swimmers (Discounts & Rates)

When buying life insurance for swimmers, a term life insurance policy would be best for those who do not want a lifelong policy. It all depends on the personal situation of the individual. 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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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: May 26, 2021

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The Highlights

  • Life insurance companies view swimmers as low-risk
  • Discounts are an easy way to lower what you pay for swimmers’ insurance
  • The type of coverage you choose will be partially determined by how long you want your policy to be active

Because you’re here with us today, you must be wondering about affordable life insurance for swimmers. Is it like life insurance for climbers or life insurance for crossfitters?

We will be going through both how and why life insurance rates for swimmers are affected.

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

Is life insurance for swimmers expensive?

Insurance companies view swimmers as particularly healthy individuals. Swimmers carry a lower risk of premature death via causes such as heart disease.

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

An individual’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 move on to a comparison of whole and term life insurance to see which form of coverage appeals to you more.

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Types of Insurance

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

Term life insurance would also be the best bet for someone living on a limited budget. Let’s go ahead and look at a table that shows term life insurance rates for men of various ages.

Average Monthly Male Term Life Insurance Rates by Age and Policy Value
Age$100,000 Policy Average Monthly Rates for Males$250,000 Policy Average Monthly Rates for Males$500,000 Policy Average Monthly Rates for Males$1,000,000 Policy Average 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 more an individual ages, the more they will pay for life insurance. That is because life insurance companies analyze risks to health.

This is something you will see consistently when you compare life insurance quotes. Now, let’s conclude with how you can lower your rates.

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How can I lower my rates?

No matter which insurer you choose, we strongly recommend telling them you are a swimmer. While this is what we would suggest when it comes time to get life insurance for smokers, yet, here, you’ll save money.

Not only that but anything that might net you a discount. Major insurance companies offer a vast amount to choose from. You can get discounts for timely payments, homeownership, even just for being a student.

In short, if you need to buy life insurance for swimmers, it’s not difficult. 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.

Are you looking for free insurance quotes?

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

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