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

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Swimmers & All-Cause Mortality

A cohort study of over 80,000 middle-aged people found that swimming provides a 28% reduction in all-cause mortality.

The 2017 study, published in the British Journal of Sports Medicine, studied the associations of six different types of sport/exercise with all-cause and cardiovascular disease (CVD) mortality risk in a large pooled Scottish and English population-based cohort of 80 306 individuals (54% women; mean±SD age: 52±14 years). Selection of covariates was guided by previous literature adjustments made for age, sex, long-standing illness, alcohol drinking frequency, psychological distress, BMI, smoking status, education level, doctor-diagnosed CVD (all-cause mortality analyses only) and weekly physical activity volume (MET-hours/week excluding the volume of the sport that was the main exposure in the corresponding model). Participants who had doctor-diagnosed CVD at baseline (angina, stroke, IHD) were excluded from the analyses with CVD mortality as outcome. Cox proportional hazards regression was used to investigate the associations between each exposure and all-cause and CVD mortality and after adjustments, swimming participation was associated with a significantly reduced risk of all-cause mortality of 28% compared with no participation.

Oja et al Br J Sports Med (2017)

Swimmers & All-Cause Mortality

A cohort study of over 80,000 middle-aged people found that swimming provides a 28% reduction in all-cause mortality.

The 2017 study, published in the British Journal of Sports Medicine, studied the associations of six different types of sport/exercise with all-cause and cardiovascular disease (CVD) mortality risk in a large pooled Scottish and English population-based cohort of 80 306 individuals (54% women; mean±SD age: 52±14 years). Selection of covariates was guided by previous literature adjustments made for age, sex, long-standing illness, alcohol drinking frequency, psychological distress, BMI, smoking status, education level, doctor-diagnosed CVD (all-cause mortality analyses only) and weekly physical activity volume (MET-hours/week excluding the volume of the sport that was the main exposure in the corresponding model). Participants who had doctor-diagnosed CVD at baseline (angina, stroke, IHD) were excluded from the analyses with CVD mortality as outcome. Cox proportional hazards regression was used to investigate the associations between each exposure and all-cause and CVD mortality and after adjustments, swimming participation was associated with a significantly reduced risk of all-cause mortality of 28% compared with no participation.

Oja et al Br J Sports Med (2017)

Swimmers & Vascular Function

According to a 2016 study in the American Journal of Cardiology, regular swimming can provide improved vascular function and significantly decreased carotid artery stiffness and inflammatory markers.

Brachial-flow mediated dilation

Swimmers & Heart Performance

According to a 2013 literature review in International Journal of Cardiology, swimming recreationally can result in an 18% increase in peak left ventricular end-diastolic volume and an 8% increase in peak systolic blood pressure.

This article reviewed the physiologic effects and cardiovascular responses to swimming, the cardiac adaptations to swim training, swimming as a cardiac disease risk factor modifier, and the effects of swimming in those with cardiac disease conditions such as coronary artery disease, congestive heart failure and the long-QT syndrome. In the particular study noted, swimming was also found to improve bicycle exercise performance with VO2 Max increasing by 16% in 12 sedentary middle-aged persons.

Lazar JM et al; Int J Cardiol. 2013 Sep 20;168(1):19-26. (doi: 10.1016/j.ijcard.2013.03.063.)

Swimmers & Heart Performance

According to a 2013 literature review in International Journal of Cardiology, swimming recreationally can result in an 18% increase in peak left ventricular end-diastolic volume and an 8% increase in peak systolic blood pressure.

This article reviewed the physiologic effects and cardiovascular responses to swimming, the cardiac adaptations to swim training, swimming as a cardiac disease risk factor modifier, and the effects of swimming in those with cardiac disease conditions such as coronary artery disease, congestive heart failure and the long-QT syndrome. In the particular study noted, swimming was also found to improve bicycle exercise performance with VO2 Max increasing by 16% in 12 sedentary middle-aged persons.

Lazar JM et al; Int J Cardiol. 2013 Sep 20;168(1):19-26. (doi: 10.1016/j.ijcard.2013.03.063.)

Swimmers & Cholesterol

According to a 2009 research review in the Journal of Sports Medicine, swimming results in a 10% decrease in total & LDL cholesterol.

Swimmers & Cholesterol

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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 swimmers 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.

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

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

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