Top Life Insurance Company That Offers Discounts for Being Healthy in 2022
While people in good health generally pay less for insurance than high-risk individuals, there aren't many life insurance companies that offer discounts for being healthy. However, John Hancock and Health IQ are some of the best life insurance companies that do offer discounts and rewards for healthy individuals. Affordable life insurance for healthy adults is easy to find, but finding a life insurance company that rewards you and gives you discounts can help to save you even more.
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UPDATED: Jun 30, 2022
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- 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 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:
|Age||Average Monthly Rates for $500,000 20-Year Term|
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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 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.