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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.

1. Cyclists Actually Live Longer

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According to a 2000 study published by the Journal of the American Medical Association: Cyclists who rode 60 minutes a day had an 18% lower risk than non-cyclists. For those who rode 100 minutes a day the benefit increased to a 28% lower risk.

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 have a 45% reduction cancer risk when compared to non-cyclists, according to a 2012 study in the European Journal of Cardiovascular Prevention. Cycling also lowers the risk of colon cancer by 41% in men and 44% in women.


 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 Cardiovascular Prevention. The study looked at 23,000 people and people who do other physical activity in addition to cycling reduce their risk by 36%


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. 



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