Start with a lower life insurance premium from day one — you do not need to be a runner, gym regular or fitness fanatic.
Selected life insurance plans available through ActiveJoe offer an upfront premium discount. Everyday healthy choices can then help you keep your premium lower over time.
See what you could save — it is quick to enquire and there is no obligation to proceed.
What is discounted life insurance?
Discounted life insurance is cover that begins with a premium below the provider’s standard price for the same type of plan. The cover is still subject to eligibility, underwriting and the policy terms, but the discount is applied at the start rather than earned only after months of exercise.
On selected plans, fixed-term life insurance can start at up to 30% below the provider’s standard premium. Selected whole-of-life plans can start at up to 40% below the provider’s standard premium. The actual discount depends on the plan, term, age and individual circumstances.
Do I need to be very active?
No. You do not have to prove that you run, cycle or attend a gym before asking about the discounted premium.
You begin with the relevant upfront discount when the qualifying option is added to an accepted plan. After the plan starts, healthy actions such as walking, completing health checks or tracking suitable activity can help you build your status and limit future premium increases.
How does the discount work?
- Tell us what you want to protect. Complete the short ActiveJoe enquiry form.
- Speak with a regulated adviser. They will review your needs, explain suitable options and confirm whether a discounted plan is appropriate.
- Start with the available discount. If you choose a qualifying plan and your application is accepted, the relevant discount is applied from the beginning.
- Help keep the premium lower. Everyday healthy choices can improve your status and reduce future increases under the programme rules.
What if I am only just getting started?
That is completely fine. ActiveJoe is for ordinary people as well as committed athletes. Walking more, learning about your health and building better habits can all count. The important point is that you do not have to reach a fitness target before making an enquiry.
Is discounted life insurance always the cheapest?
Not necessarily. A discount does not automatically make one policy the cheapest or most suitable option for everyone. Price is only one part of the decision: the amount of cover, policy term, definitions, exclusions and long-term affordability also matter.
A regulated adviser will consider your circumstances and explain their recommendation. You can then decide whether you want to proceed.
Made for real working lives
Discounted life insurance for active working lives
Whether your day involves responding to emergencies, serving in the Armed Forces, walking dogs, coaching clients or working on the tools, you do not need to be a professional athlete to get discounted life insurance.
- Police officers
- Firefighters
- Paramedics
- Armed Forces personnel
- Prison officers
- Security professionals
- Dog walkers
- Postal workers and couriers
- Builders and tradespeople
- Warehouse workers
- Gardeners and landscapers
- Cleaners
- Personal trainers
- Fitness instructors
- Sports coaches
- Nurses and care workers
- Hospitality workers
- Anyone regularly on their feet
Your occupation does not automatically qualify you for a discount. Pricing and cover depend on your circumstances, underwriting and policy terms.
Frequently asked questions
Is the discount guaranteed?
The starting discount depends on the selected plan and its current terms. Future premiums can change in line with the programme rules and your status. Your adviser will explain the figures before you decide.
Will my health affect the quote?
Life insurance applications are underwritten. Age, health, medical history, smoking status, occupation, lifestyle and the cover requested can affect the price and terms offered.
Do I have to join a gym?
No. A gym membership is not required. Different healthy actions can contribute towards your status, subject to the programme rules.
Can I ask for a quote without committing?
Yes. Completing the ActiveJoe enquiry does not oblige you to buy a policy.
See what discounted life insurance could look like for you
Start with a few simple details. A regulated adviser can then explain the available options, the exact starting premium and how future premiums may change.
See what you could save — no obligation to proceed.
This page provides general information and is not personal financial advice. Discounts are measured against the relevant provider’s standard premium and vary by plan, term, age and individual circumstances. Cover and pricing are subject to eligibility, underwriting, programme rules and policy terms. ActiveJoe itself does not provide financial advice; regulated advice is provided by Tailored Life Solutions Ltd advisers.