Whether you run before work, cycle at weekends or train for endurance events, protection should fit the life and responsibilities behind your activity. Here is what active people in the UK should know when considering life insurance.
Can running or cycling make life insurance cheaper?
Regular exercise does not automatically reduce the price of every policy. The insurer considers your full application, including age, health, smoking status, medical history, occupation, hobbies and the cover requested.
Selected plans start with an upfront premium saving and can include activity-related benefits under the provider’s rules. You do not need to be a competitive athlete to ask about them.
Recreational activity and competitive events
Recreational running and ordinary road or leisure cycling are usually very different from extreme, professional or higher-risk competition. An insurer may ask about event distances, frequency, locations, speeds or associated activities where relevant.
Always answer application questions accurately. A regulated adviser can help present the information clearly and explain any terms offered.
What protection might an active household consider?
- Life insurance to provide a lump sum following death during the policy term
- Critical illness cover for defined serious conditions under the policy
- Income protection if illness or injury prevents you from working and you meet the policy definition
The right combination depends on your income, family, mortgage, employment benefits, savings and budget, not simply your sport.
Useful related guides
- Life insurance for active people
- Does being active make life insurance cheaper?
- How income protection works
Take the first step
You do not need to know which product you want. Tell us what you want to protect and a regulated protection adviser can explain the available options.
Start your ActiveJoe 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.