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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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

UPDATED: Nov 3, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Finding a life insurance company that offers discounts for healthy living can lower your insurance rates and give you rewards
  • The best life insurance companies that offer discounts to healthy individuals are John Hancock and Health IQ
  • With John Hancock’s program Vitality, you can save on things like wearable fitness devices and health foods

Making healthy eating and lifestyle choices can be difficult, but there are some life insurance companies that offer discounts for being healthy and encourage healthy lifestyles.

Which life insurance companies give the best discounts for healthy individuals? And does being unhealthy mean you’ll be classified as high-risk?

Read through our guide to get all the information you need before you buy life insurance from companies that offer discounts for being healthy.

Searching for the best life insurance companies in your area? Enter your ZIP code to get free quotes from life insurance companies that offer discounts for being healthy.

What are the top life insurance companies that offer discounts for being healthy?

In general, your life insurance rates will be higher if you are a high-risk individual.

However, although your insurance rates won’t typically be higher than average if you are in good health, there are a lot of life insurance companies that don’t offer discounts for being healthy.

The best and most affordable life insurance companies that offer discounts for being healthy are John Hancock and Health IQ.

John Hancock

John Hancock offers special discounts and rewards to people in good health to incentivize healthy living.

You can get an idea of what it might cost you to have a life insurance plan through John Hancock below:

John Hancock Term Life Insurance Rates by Age
AgeAverage Monthly Rates for $500,000 20-Year Term
20-29$27.66
30-39$28.61
40-49$53.61
50-59$127.81
60-69$459.16
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Through John Hancock’s program Vitality, you can receive REI discounts as well as discounts on things like eligible health foods and wearable fitness devices.

Vitality Plus is another program offered by John Hancock that offers the same benefits that Vitality offers as well as more savings on things like Headspace, Amazon, Starbucks, and more.

With Vitality Plus, you can also save up to 25% off your life insurance rates.

Health IQ

Health IQ takes a scientific approach to life insurance by analyzing the results you get after taking the Health IQ quiz.

The quiz contains over 30,000 questions that determine your Health IQ which can help with identifying if you are a high-risk individual or not.

Typically, high-risk individuals have to pay more for life insurance than people in good health do.

Health IQ encourages healthy living by offering discounts to people who are physically active and make healthy eating choices.

Is Health IQ legitimate?

The Health IQ quiz was created by health experts to find out how healthy people are on a variety of levels.

Having a high Health IQ has been correlated with a 36% lower mortality risk as well as decreased chances of developing diabetes, high blood pressure, and obesity.

Health IQ is a legitimate and accurate way of finding out your health status and can be a useful tool in getting lower life insurance rates and discounts.

Looking for the lowest rates from life insurance companies that offer discounts for being healthy? Enter your ZIP code below to get free life insurance quotes from the best companies near you.