Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • The cost of runners life insurance rates averages $24.64 per month
  • Many runners are healthy enough to qualify for traditionally underwritten life insurance policies
  • The health benefits associated with running may help you earn cheaper standard plus, preferred, or preferred plus rates

Being a runner means maintaining a healthy lifestyle and having a level of affordable insurance presented immediately. By having an active lifestyle, a runner is looked at as a preferred style customer by most insurance companies. This means that on average, runners life insurance rates cost $24.64 per month.

Below, discover how running can improve your health and help you earn cheaper standard plus, preferred, or preferred plus life insurance quotes.

After learning how to buy runners life insurance, remember to enter your ZIP code into our free tool above to receive quotes from the leading providers in your region. That way, if your current insurance cost is higher than you’d like, you can hopefully find something more suitable. 

What are the average life insurance rates for runners?

While there’s no specific runners life insurance company, many people who run regularly are healthy enough to qualify for traditional term life insurance and whole life insurance.

People in average health qualify for standard life insurance rates. For runners, that amount averages $24.64 per month.

However, some runners life insurance quotes qualify for the cheaper standard plus, preferred, or preferred plus levels. Someone who is active and lives a healthy life is going to be less at risk of heart disease and other dangerous health conditions. This is what makes someone a preferred customer and able to find better rates on life insurance.

Take a look at sample monthly rates a healthy 35-year-old pays for a 20-year term policy with a $500,000 death benefit at the rating tiers relevant to runners:

  • Standard: $24.64
  • Standard Plus: $21.19
  • Preferred: $15.52
  • Preferred Plus: $12.32

Fortunately, life insurance for healthy adults is often both affordable and easy to secure.

However, your age, medical record, and coverage needs all impact your monthly premiums.

These are some factors that no one can control. While it’s true that most companies will take these factors into consideration, making sure that you’re staying healthy is just one way you can secure better rates. Therefore, to find the best life insurance for runners, shop around and compare rates online from multiple companies.

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How does running impact life insurance?

Running, even for only a short time a day, reduces your risk of developing dozens of high-risk conditions.

Ultimately, participating in this healthy exercise can help you secure cheaper life insurance prices.

According to the Journal of American College of Cardiology, a slow five-minute daily jog lowers your risk of all causes of mortality and cardiovascular disease.

Running also helps with weight control, maintains your blood pressure, and can even manage stress levels.

Life insurance companies often look for all of these pre-existing conditions during the underwriting process.

Unlike extreme sports life insurance, which costs more because of the dangers involved with the sport, companies perceive running to be a safe activity.

In fact, life insurance for runners costs about the same as cyclist life insurance.

Runners Life Insurance Rates: The Bottom Line

If you’re a runner, your healthy habits could lead to cheaper life insurance quotes.

Whether you’re just starting your exercise journey or are a marathon runner, investing in your health is always worthwhile.

If you need to compare insurance companies, we offer a free online comparison tool that can help you.