Here’s 3 Reasons Why Being In Great Shape Pays Off When It Comes To Life Insurance Coverage

Rachel Garland | Life Insurance | 11 Nov, 2015 | No Comments

Being in great shape can lead to many wonderful changes and outcomes in your life. Not only are you likely to experience higher energy levels, you’ll also be at a lower risk for major health concerns such as heart disease or diabetes. Needless to say, leading an active and healthy lifestyle can lead to countless positive effects.


However, the benefits of being in great shape don’t just end at the physical or emotional. In fact, leading a healthy lifestyle offers a number of financial incentives, one of them being life insurance. Although many people are unaware, life insurance can actually be a tremendously valuable investment when you’re young and in some of the best shape in your life. After all, premiums tend to be the most affordable for people under 30 that are physically fit.


While you may not be thinking of life insurance coverage as you finish that last set at the gym, here’s 3 reasons why you may want to reconsider.


1.) Preferred Rates

Why get life insurance if you’re in the best shape of your life? Because you’ll likely lock in the lowest rates possible. Although life insurance may be far from mind, if you want to secure preferred rates it’s actually in your best interest to act sooner rather than later. Preferred rates are typically only available to those who are in excellent overall health and lead an active and healthy lifestyle.

2.) Greater Accessibility

Being in great shape doesn’t just help you lock in the best rates, though, it also helps you select from the best providers. Applicants that lead a healthy lifestyle typically have the luxury of being able to find coverage from a variety of providers. Due to a low-risk status, excellent health will more often than not guarantee that finding coverage will be a simple and hassle-free process, unlike for those with major health concerns or other high-risk status factors.

3.) Expanded Options

An active and healthy lifestyle provides the luxury of choice. With a low-risk status, providers will be much more likely to offer a numerous range of options, giving those in great health an added advantage when it comes to finding the coverage they need. As risk-factors increase, finding coverage becomes increasingly more difficult. Making it a wise move to take advantage of expanded options early on.


Wondering how much life insurance you really need if you’re in great shape? Excellent question! The amount of coverage you need will depend on a variety of factors. From your marital status to the number of dependents you are providing for, there’s no single answer here. If you would like to better idea of your estimated coverage costs, be sure to use this life insurance calculator, or start searching for quotes in your area by entering your zip code at the top of the page to get started.



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