Life Insurance policies that consider lifestyle not just smoking

fatsmoker

I've been looking around the usual comparison sites for life insurance quotes. They are all interested in your smoking history, I smoked until 3 years ago. I use an electronic one now now so still have nicotine intake. But they do not ask about your general health - BMI, obesity, levels of physical activity. At 46 and 12 stone, 150 miles a week on the bike and 2 x 90 minute karate sessions per week I feel as fit as I've ever been. My over 40s 'well man' test at the GPs suggests the same. Anyone know of any company that would offer me a decent rate base don the positives in my life not the smoking negatives? And is cycle commuting considered high risk by insurers?

sungod

insurance is based on risk, they've had decades of data on a large population to assess the risk of dying earlier from smoking, it's a huge risk factor and an easy one to catch people out if they fib

it may be that there's not been the same size and quality of data on being 'fit', or it may be that it doesn't make much difference to death rate

unless you're going for a policy that requires a medical, the generic insurance policies are just going to play the averages, overall they'll pay out less than they take in premiums

if you do have a medical i'd bet it'll be looking for signs of increased risk, not whether you're fitter than average and deserving of a better deal

after all, you may be fit now, but the week after taking out a policy you might decide to slob out, gain 20kg and live on beer and chips!

there're insurers that 'reward' you for doing xyz, but you have to submit to monitoring and the rewards tend to be discounts on buying stuff from 'partners' rather than discounted premiums

cooldad

You might want to change your name.

bendertherobot

Try Vitality

type:epyt

You only stopped smoking 3 years ago ... How many years did you smoke for (and how many)? The damage is likely already done so why reward you with a lower premium?

slowmart

https://www.abi.org.uk/products-and-iss ... c-testing/

Appreciate life insurance is piece of mind but get yourself DNA tested as it will identify any predisposition towards any possible illness.

Life insurance companies tried to argue and to bring this feature into further capping off their liabilities although the net effect would have polarised the market meaning those who would have needed insurance would have been priced out and those that would have had a good outcome wouldn't have required life insurance in the first place.

Of course this doesn't mean you won't get killed some other way....