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5 Reasons why cyclists should get a lower rate on life insurance

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Cyclists & All-Cause Mortality

Cyclists who ride for 3 hours a week or more have a 28% lower risk of all-cause mortality than non-cyclists, according to a 2000 study in Archives of Internal Medicine.

Decreased Risk of Mortality in Cyclists

 

Cyclists & Cancer

Cyclists who commute to work at least 30 miles a week have a 45% reduction in all cancer incidence as compared to non-cyclists, according to a 2017 study in the BMJ.

This UK based prospective population based study investigated the association between active commuting and incident cardiovascular disease (CVD), cancer, and all cause mortality. The study included 263 450 participants (106 674 (52%) women; mean age 52.6) from 22 sites across the UK. The exposure variable was the mode of transport used (walking, cycling, mixed mode v non-active (car or public transport)) to commute to and from work on a typical day. The study found that commuting by cycling was associated with a lower risk of all cause mortality and adverse CVD and cancer outcomes, in a dose dependent manner and independent of a range of confounding factors.

Celis-Morales et al. BMJ (2017)

Cyclists & Cancer

Cyclists who commute to work at least 30 miles a week have a 45% reduction in all cancer incidence as compared to non-cyclists, according to a 2017 study in the BMJ.

This UK based prospective population based study investigated the association between active commuting and incident cardiovascular disease (CVD), cancer, and all cause mortality. The study included 263 450 participants (106 674 (52%) women; mean age 52.6) from 22 sites across the UK. The exposure variable was the mode of transport used (walking, cycling, mixed mode v non-active (car or public transport)) to commute to and from work on a typical day. The study found that commuting by cycling was associated with a lower risk of all cause mortality and adverse CVD and cancer outcomes, in a dose dependent manner and independent of a range of confounding factors.

Celis-Morales et al. BMJ (2017)

Cyclists & Heart Disease

Cyclists have a 18% lower incidence of cardiovascular disease as compared to non-cyclists, according to a 2011 study in the European Journal of Cardiovascular Prevention.

Cyclists & Heart Disease

Cyclists & Life Expectancy

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 years (varying by intensity) longer than non-cycling females, according to a 2012 study in the European Journal of Preventive Cardiology.

Recommended exercise amounts have historically remained around 30 minutes per day of moderate activity (brisk walking) if possible. This study aimed at examining the impact of intensity and duration of cycling on mortality. The study concluded that relative intensity, and not duration as previously thought, was more important when related to mortality.

Schnohr et al. Eur J of Preventive Cardiology. 2012; Volume 19. doi:10.1177/1741826710393196

Cyclists & Life Expectancy

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 years (varying by intensity) longer than non-cycling females, according to a 2012 study in the European Journal of Preventive Cardiology.

Recommended exercise amounts have historically remained around 30 minutes per day of moderate activity (brisk walking) if possible. This study aimed at examining the impact of intensity and duration of cycling on mortality. The study concluded that relative intensity, and not duration as previously thought, was more important when related to mortality.

Schnohr et al. Eur J of Preventive Cardiology. 2012; Volume 19. doi:10.1177/1741826710393196

Cyclists & HDL Cholesterol

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.

Cyclists & HDL Cholesterol

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

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

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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.

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.

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