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4 Reasons Cyclists Are Getting Screwed on Life Insurance

Are you a cyclist? Then you’re probably getting screwed on your life insurance premiums. Life insurance companies won’t give you a “credit” for all the miles you’ve rode, races you competed in, or how well you monitor your diet; henceforth, you could end up getting the same rate as a couch potato who doesn’t workout at all.

We believe cyclists and other health conscious deserve a better rate on their term life insurance rates.  Below is a list of reasons we think cyclists should get special life insurance rates — updated for 2017.

1. Cyclists Actually Live Longer 

According to a 2000 study published by the Journal of the American Medical Association:  Cyclists who ride for 3 hours a week or more have a 28% lower risk of all-cause mortality than non-cyclists.  Cyclists also have increased life expectancy:

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Male cyclists live 2.9 – 5.3 years (varying by intensity) longer as compared to non-cycling males. Female cyclists live 2.2 – 3.9 year (varying by intensity) longer than non-cycling females, according to a 2012 study in the European Journal of Preventive Cardiology.


2. Cycling Significantly Reduces Your Risk of Cancer

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Cyclists who commute to work at least 3o miles a day have a 45% reduction cancer risk when compared to non-cyclists, according to a 2017 study in the BMJ. 


 3. Cyclists Get Less Heart Disease

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Cyclists have an 18% lower rate of cardiovascular disease when compared to non-cyclists, according to a 2011 study in the European Journal of Preventive Cardiology.


4. Cyclists have higher HDL (good) Cholesterol Levels

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Cyclists have a 15% increase in HDL-cholesterol as compared to non-cyclists, according to a 2010 study in the Journal for the Norwegian Medical Association.

If you’re putting in hours upon hours of training, competing in races, and monitoring your diet, you deserve better premiums.  That’s what we believe at HealthIQ.   Schedule a call with one of our agents, and let us help you get the rate you deserve.

                                                                   Click HERE to schedule a call.