If keeping active matters to you, your life insurance should still begin with the people, income and commitments you want to protect. This guide explains how activity, health and lifestyle can affect an application, how selected plans start with a discounted premium, and what to consider before choosing cover.
Who is this guide for?
This guide is for anyone whose life includes regular movement or exercise, from gym members, runners and cyclists to walkers, swimmers, team-sport players, outdoor enthusiasts and people with physically active jobs.
You do not need to be an athlete, use a fitness tracker or meet a particular standard. The first step is simply to understand the protection available for your circumstances.
Can active people get cheaper life insurance?
Being active does not automatically make every life insurance policy cheaper. Insurers consider the whole application, including age, health, medical history, smoking status, occupation, hobbies, the amount of cover and the policy term.
However, selected protection plans can begin with an upfront premium saving. Some also include activity-linked rewards or benefits under the provider’s rules. The starting discount is not restricted to elite athletes or regular gym users.
See how discounted life insurance can work.
Ways people stay active
- Gym training, strength work and fitness classes
- Running, jogging and walking
- Cycling, swimming and endurance sports
- Football, rugby, tennis and team sports
- Yoga, Pilates and mobility work
- Hiking, climbing and outdoor activities
- Personal training, coaching and fitness instruction
- Active occupations and on-your-feet working days
- Everyday movement without a formal exercise routine
What will an insurer consider?
An insurer normally asks about your health, lifestyle and the cover requested. Some sports or activities may require extra questions if they involve greater risk, but ordinary exercise is not treated the same as hazardous or competitive activity.
Answering accurately is important. A regulated protection adviser can explain what information is required, compare suitable options and help you understand any exclusions or special terms.
Protection matters more than rewards
Discounts and rewards are attractive, but the policy still needs to protect the right people for the right amount of time. Consider your mortgage, household income, debts, children, childcare and other regular commitments.
- What affects the cost of life insurance?
- How much life insurance might you need?
- How does income protection work?
- How does critical illness cover work?
Start with a simple conversation
You do not need to know which policy you want before making an enquiry. Tell us what you want to protect and choose a convenient time to be contacted. A regulated protection adviser can then discuss your circumstances and explain the available options.
Start your ActiveJoe enquiry. There is no obligation to proceed.
Already track your steps or workouts?
See how a smartphone, smartwatch or fitness tracker connects with healthy-living features on selected protection plans.
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.