Healthy living life insurance

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healthy living life insurance
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How can living a healthy lifestyle help my life insurance?

If you're living a healthy lifestyle, the chances are you're an active person and not overweight. While insurers don't necessarily ask you about your healthy eating habits and exercise regimes, those who have a weight within normal ranges (approx BMI of 18.5-25) aren't likely to be charged a higher amount for cover than others who might be overweight.

Other than the potential to help keep life insurance premiums down, other benefits to leading a healthy lifestyle, could include:

Levels of life insurance cover

Life insurance can be a bit of a minefield if you're not well-versed on what it is and why you might need it. So here are some quick points to help you decide if life cover is right for you at this point in your life:

Levels of cover: 

  • Level term

    If you die during the term of the policy, the amount paid out remains the same regardless of if you are 3 years into the policy, or 20 years
  • Decreasing/Mortgage

    The level of cover decreases roughly in line with how much of your mortgage you have left to repay, so as time goes on, the amount that would be paid out decreases
  • Over 50s

    This cover is usually for a smaller lump-sum payout. You decide how much you want to pay (e.g. £10 a month) and based on your personal information, it'll pay out a small lump sum when you die. You don't need a medical for this type of cover and the only health question you need to answer is whether or not you're a smoker
  • Critical illness cover

    This can be a more expensive type of cover. If chosen it runs alongside your life cover and means that if you fall critically ill during the policy term with an illness that the provider covers, it'll pay out at that point, as opposed to upon death

Why you might need it

At different points of your life, there are different reasons you could need or want some level of life cover, some of the more common reasons could include:
  • Getting on the property ladder -are you buying your first home? Your mortgage lender may ask you to have cover in place, or you might choose to take out cover anyway to cover the mortgage if something should happen to you during the policy term
  • Family life -if you've recently had or are having a baby you might want to ensure that your family are taken car of in the event of your death
  • Death in the family - if you've suffered a death in the family, it sometimes forces people to evaluate their own life and their dependants to ensure some level of protection is in place

There's a whole host of other reasons you could want or need it, some of which will be very personal to you.

Tips for a healthier lifestyle

If you're looking to improve your health in preparation for getting life insurance, or just in general, we have some tips that might help you on your way:

  • Drink more water - the NHS recommends drinking 2 litres of water a day, that's 8 x 200ml glasses

  • A balanced plate - try to follow the eatwell plate diagram and make a third of your plate vegetables or salad at each meal

  • Exercise - aim for 2.5 hrs of exercise a week, whether that's combinations of walking, running or gym sessions

  • Small swaps - if you don't want to make any big changes to your diet, perhaps consider making some small swaps, like semi-skimmed milk for skimmed

If you're looking for something a bit more unusual, take a look at our infographic on 22 offbeat ways to live longer. We've also got some exercise tips from our favourite fitness bloggers and an article on how to live longer, and pay less for life cover.

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Confused Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England and Wales No 2467691.