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4 Reasons why runners should get a lower rate on life insurance

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Runners & All-Cause Mortality

30% reduction in all-cause mortality according to a 2014 study in The Journal of The American College of Cardiology

The study examined the associations of running with all-cause mortality risks in 55,137 adults (average age 44 years old). Compared with nonrunners, runners had 30% lower risk of all-cause mortality as well as a 3-year life expectancy benefit. The mortality benefits in runners were similar across all groups of running times, distance, frequency, amount, and speed, compared with nonrunners.

Duck-chul Lee et al. J American College Cardiol. 2014;64(5):472-481 (doi:10.1016/j.jacc.2014.04.058)

Runners & All-Cause Mortality

30% reduction in all-cause mortality according to a 2014 study in The Journal of The American College of Cardiology

The study examined the associations of running with all-cause mortality risks in 55,137 adults (average age 44 years old). Compared with nonrunners, runners had 30% lower risk of all-cause mortality as well as a 3-year life expectancy benefit. The mortality benefits in runners were similar across all groups of running times, distance, frequency, amount, and speed, compared with nonrunners.

Duck-chul Lee et al. J American College Cardiol. 2014;64(5):472-481 (doi:10.1016/j.jacc.2014.04.058)

Runners & Cardiovascular Disease

45% reduction in cardiovascular mortality according to a 2014 study in The Journal of The American College of Cardiology

Runners & Cardiovascular Disease

Runners & Diabetes

Men who run 2 marathons per year are 87% less likely to take anti-diabetic medication than non-marathoners and 59% less likely if they run 1 marathon every 5 years

This study tested 62,284 male and 45,040 female runners for the use of hypertension, hypercholesterolemia, and diabetes medication. Prevalence of all of these decreased with the frequency of marathons. Researchers suspect this may be due to the inclusion of longer training runs in preparation for marathons or to genetic or other innate differences between marathon and non-marathon runners.

Paul T. Williams, Medicine and Science in Sports and Exercise, 41(3), 523 (doi: 10.1249/MSS.0b013e31818c1752)

Runners & Diabetes

Men who run 2 marathons per year are 87% less likely to take anti-diabetic medication than non-marathoners and 59% less likely if they run 1 marathon every 5 years

This study tested 62,284 male and 45,040 female runners for the use of hypertension, hypercholesterolemia, and diabetes medication. Prevalence of all of these decreased with the frequency of marathons. Researchers suspect this may be due to the inclusion of longer training runs in preparation for marathons or to genetic or other innate differences between marathon and non-marathon runners.

Paul T. Williams, Medicine and Science in Sports and Exercise, 41(3), 523 (doi: 10.1249/MSS.0b013e31818c1752)

Runners & Blood Pressure

Men who run 2 marathons per year are 41% less likely to take blood pressure medication

Runners & Blood Pressure

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Health IQ Advantage: We measure waist to hip ratio in addition to BMI for those with muscular builds.

Health IQ Advantage: Have a lot of muscle? We’ll make sure you’re not penalized by your BMI.

Health IQ Advantage: Health conscious runners who verify their knowledge and mileage can qualify for special rates.

Verified and secured by Health IQ Insurance Services, Inc., Insurance Life, Mountain View, CA

Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "get quote", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology, text messages, and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "get quote", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

Health IQ Advantage: We help endurance athletes with slow resting heart rates or runner’s heart get better rates.

General Health History

Health IQ Advantage: Had depression from bereavement? We’ll make sure it is treated differently than ongoing depression.

Heart Health

Health IQ Advantage: We help those with slight hypertension who meditate regularly get better rates.

Health IQ Advantage: We measure Tri/HDL cholesterol ratio in addition to HDL ratio for low carb dieters.

Family History

Health IQ Advantage: Has your family history inspired you to be more health conscious? We minimize the penalty for adverse family health history if you are otherwise healthy.

Driving History

Tobacco History

Health IQ Advantage: Quit smoking? We’ll make sure you get the credit you deserve.

Verified and secured by Health IQ Insurance Services, Inc., Insurance Life, Mountain View, CA

Health IQ uses data, science, and statistics to show insurance carriers that health conscious people deserve lower rates on life insurance. By clicking "get quote", I give Health IQ Insurance Services my electronically signed prior express written consent to contact me at my phone number and email address listed above to discuss buying life insurance policies & prices. We will never sell your data.

Because the agents are frequently busy helping health conscious customers, I agree these marketing communications may be sent to me using automated technology and pre-recorded messages. I understand that my consent to receive these communications is not a condition of purchase (i.e. I can buy a policy without agreeing to any such communications). By clicking "get quote", I agree to Health IQ Insurance Services’ Privacy Policy and Terms of Use policies.

In addition to our special rate partners, we also work with the following top rated carriers to offer you a competitive selection of products.
WHO WE ARE
Health IQ celebrates Runners.
Health IQ provides special rate insurance products for runners.

We are a licensed life insurance agent* in all 50 states.

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We negotiated lower rates on life insurance using science and data.

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By runners for runners. Our team is comprised of health conscious people who overcame their own health challenges with healthy habits, exercise, and nutrition.

Meet our team
* Health IQ Insurance Services - California License No. OK27284., AR License No: 100132134
Research: Lee et al., J Am Coll Cardiol. (2014)
Coverage and rates are subject to verification and underwriting
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Here's What Happens Next:

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Qualify For The Lowest Rate

Take our Running IQ Quiz and score elite to get the lowest rate

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Verify Your Speed & Mileage

Please email us screenshots of recent competition/race results or profile and activity summary from your fitness app. Verification@HealthIQ.com

Locate Your Existing Policy

If you have an existing life insurance policy, please find a copy of your policy.

We Will Call You

One of our agents will call you in the next 24 hours. We can provide you with the most accurate quote over the phone (see our FAQ)

Call Us: 1 (800) 549-1664

Call Us: 1 (800) 549-1664