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Lifestyle and life insurance

Learn about how a healthier lifestyle could lead to a more affordable life insurance premium that still gives you and your loved ones peace of mind. 

Learn about how a healthier lifestyle could lead to a more affordable life insurance premium that still gives you and your loved ones peace of mind. 

Kamran Altaf
From the Life team
3
minute read
Do you know someone who could benefit from this article?
Posted 26 OCTOBER 2020

How does lifestyle affect life insurance premiums?

It’s possible to reduce the cost of your life insurance premium without sacrificing your level of cover. The smartest way to do this is by choosing (and maintaining) a healthier lifestyle. That’s ensuring you have a balanced diet, don’t drink to excess and exercise regularly. Broadly speaking, to maintain a healthy weight, you should eat and drink around 2,000 calories a day if you’re a woman, and 2,500 if you’re a man.

Another big factor that an insurance provider will take into account is whether or not you’re a smoker. You’ll be eligible for a lower premium if you don’t smoke, have stopped smoking or are using a form of nicotine replacement for a period of 12 months or more. Read our guide to vaping and smoking to find out what insurance providers make of e-cigarettes.

What else influences the cost of life insurance?

Life insurance is also influenced by the following factors: 

  • Your current age
  • Your family’s medical history
  • Whether or not you have any pre-existing medical conditions

Each of these could drive up your policy premium category if a provider considers you to be in a higher risk. Read more detail on this, along with some tips on how you can reduce your policy cost, in our life insurance FAQs.

What else should I think about when choosing a life insurance policy?

Another type of policy you could think about is critical illness cover. Often sold as an add-on to a standard life insurance policy, critical illness insurance can protect you against unexpected bouts of illness or injury which might mean that you are unable to work for a long period of time.

It can be quick to compare life insurance

Half of our customers could achieve a premium of £13.94** per month,  based on Compare the Market data from August 2020. So why not get a life insurance quote today and see if you can save?

**50% of customers could achieve a premium of £13.94 per month for their life insurance for a 10 year term, up to £100k worth of cover and no citricial illness cover. Based on Compare the Market data from August 2020.

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