Yes. Some life insurance plans can start with a lower premium even if you do not run, go to the gym or use a fitness tracker.
The important point is simple: the initial discount and any longer-term rewards are not always the same thing. You may be able to start with a discounted premium, while the price you pay later can depend on the plan, its terms and how the insurer’s programme works.
Do I need to be very fit?
No. You do not need to be an athlete. Walking, an active job, everyday movement and healthy habits all count under selected plan rules. The right starting point is not proving how fit you are. It is about finding out whether the cover suits your needs and budget.
How does the starting discount work?
Selected life insurance plans can offer a lower starting premium. You can receive that initial discount without needing to be a regular runner or gym member.
What happens after the policy starts depends on the insurer’s rules and your policy terms. Premiums, discounts and rewards can change, so a regulated adviser should explain the exact position before you decide.
How being active helps after that
Yes. Some plans reward healthy activity and engagement over time. That can make them particularly attractive to people who already walk, train, cycle, play sport or have a physically active job.
But you should never choose life insurance for rewards alone. The amount of cover, policy term, exclusions, affordability and suitability come first.
Who this suits
- people who want life insurance at a lower starting price;
- busy parents who want a simple way to compare protection;
- people with active jobs, including emergency services, armed forces, trades and outdoor work;
- walkers, runners, cyclists, gym-goers and sports participants; and
- anyone who is not especially active but wants to understand the discounted options available.
What should I compare?
Compare the cover itself before the extras. Look at the amount insured, the length of cover, the starting premium, how the price may change, exclusions and what happens if your circumstances or activity level changes.
For a plain-English overview, read our guide to discounted life insurance from day one. You can also compare income protection and critical illness cover.
Find out what is available to you
You do not need to know which product you want. Complete the short ActiveJoe enquiry and a regulated protection adviser can discuss your needs, explain relevant options and tell you what the cover would cost.
Start your enquiry. There is no obligation to proceed.
This article provides general information and is not personal financial advice. Cover, pricing, discounts and rewards are subject to eligibility, underwriting, provider rules and policy terms. ActiveJoe is operated by Tailored Life Solutions Ltd. ActiveJoe itself does not provide financial advice; regulated advice is provided by Tailored Life Solutions Ltd advisers.