Health ConsciousRunnersSwimmersCyclistsWeightliftersTriathletesHIIT AthletesYogisVegans
Triathletes

Current Quote Accuracy

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

or call us at (800) 549-1664

We've partnered with America's top life insurance carriers to get triathletes the lower rate they deserve
Lean More

Triathletes & Mortality

According to a 2014 study published in the Mayo Clinic Proceedings, high-level athletes live longer than the general population and enjoy a 27% lower level of mortality from cardiovascular disease and a 40% lower level of mortality from cancer.

The goal of this meta-analysis was to provide an accurate overview of mortality in elite athletes compared to the general population. Due to the recent discussions over a possible threshold of cardiovascular benefits in endurance athletes, the researchers were examining if the overall health benefits of exercise would counteract any potential detrimental effects. Researchers reviewed English-language scientific articles available in Medline and Web of Science databases following the recommendations of the Meta-analyses Of Observational Studies in Epidemiology group. Ten studies met all inclusion criteria and included data from a total of 42,807 athletes. The evidence available indicates that top-level athletes live longer than the general population and have a lower risk of 2 major causes of mortality, namely, CVD and cancer.

Garatachea et al., Mayo Clin Proc. 2014;89(9):1195-1200

Cardiovascular Mortality

According to a 2014 study published in the Mayo Clinic Proceedings, high-level athletes live longer than the general population and enjoy a 27% lower level of mortality from cardiovascular disease and a 40% lower level of mortality from cancer.

The goal of this meta-analysis was to provide an accurate overview of mortality in elite athletes compared to the general population. Due to the recent discussions over a possible threshold of cardiovascular benefits in endurance athletes, the researchers were examining if the overall health benefits of exercise would counteract any potential detrimental effects. Researchers reviewed English-language scientific articles available in Medline and Web of Science databases following the recommendations of the Meta-analyses Of Observational Studies in Epidemiology group. Ten studies met all inclusion criteria and included data from a total of 42,807 athletes. The evidence available indicates that top-level athletes live longer than the general population and have a lower risk of 2 major causes of mortality, namely, CVD and cancer.

Garatachea et al., Mayo Clin Proc. 2014;89(9):1195-1200

Triathletes & Recovery Heart Rate

A 2014 study of Spanish elite male athletes found that during recovery from maximum exertion, the heart rate of dynamic endurance athletes, including triathletes, drops 4% more than other elite athletes in the second minute of recovery, a significant difference.

Triathletes & Recovery Heart Rate

Triathletes & Biological Aging

According to a 2016 study in the Journal of Applied Physiology, endurance athletes, including triathletes, who trained more than three times a week had 7.1% longer telomeres (a marker of cardiometabolic health) and a 26% lower resting heart rate compared to recreationally active healthy controls. The endurance athletes had prevented 10.4 years of biological aging.

Leukocyte telomeres shorten with age. Exercise training may prevent age-related cardiometabolic diseases by maintaining telomere length. Researchers compared 122 high level endurance athletes —cyclists, triathletes, middle- or long-distance runners, and ultra-marathon runners—to recreationally active controls. The endurance athletes consistently trained more than three times per week for a minimum of 1 year. Although the researchers found that endurance athletes had significantly longer leukocyte telomeres, this was no longer significant after adjusting for resting heart rate and relative VO2 max. Resting heart rate emerged as an independent predictor of telomere length, and the researchers further found a dose-response effect with exercise volume.

Denham et al. J App Pays (2016)

Triathletes & Biological Aging

According to a 2016 study in the Journal of Applied Physiology, endurance athletes, including triathletes, who trained more than three times a week had 7.1% longer telomeres (a marker of cardiometabolic health) and a 26% lower resting heart rate compared to recreationally active healthy controls. The endurance athletes had prevented 10.4 years of biological aging.

Leukocyte telomeres shorten with age. Exercise training may prevent age-related cardiometabolic diseases by maintaining telomere length. Researchers compared 122 high level endurance athletes —cyclists, triathletes, middle- or long-distance runners, and ultra-marathon runners—to recreationally active controls. The endurance athletes consistently trained more than three times per week for a minimum of 1 year. Although the researchers found that endurance athletes had significantly longer leukocyte telomeres, this was no longer significant after adjusting for resting heart rate and relative VO2 max. Resting heart rate emerged as an independent predictor of telomere length, and the researchers further found a dose-response effect with exercise volume.

Denham et al. J App Pays (2016)

Triathletes & Cataracts

According to a 2009 study in the Journal of Investigative Ophthalmology & Visual Science, runners have a 35% reduction in risk of cataracts later in life.

Triathletes & Cataracts

Enter your information to receive a quote

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 triathletes 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 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 Triathletes.
Health IQ provides special rate insurance products for triathletes.

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

View our licenses

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

View our research

By triathletes for triathletes. 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
Coverage and rates are subject to verification and underwriting

Thank You!

Here's What Happens Next:

If you have any questions along the way, please don't hesitate to call us at 1 (800) 549-1664

Qualify For The Lowest Rate

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

Take Quiz

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