Vegetarians Deserve Cheaper Life Insurance

It has long been considered that people who choose to follow a vegetarian diet are healthier and have less impact on the environment than the rest of the population. There is a growing body of evidence that suggests that vegetarians as a whole (including vegans, pesco-vegetarians and lacto-ovo-vegetarians) have a lower risk of heart disease, hypertension, many cancers, obesity, strokes, osteoporosis, diabetes, kidney disease, and many other diseases and conditions.

For these reasons and more we at Make A Difference Insurance believe Vegetarians should have access to chear Life Insurance.

Reduce Your Chance of Disease

According to the UK’s Vegetarian Society, the risk of some cancers is reduced by up to 40% with a vegetarian diet and the incidence of heart disease may be reduced by 30%. The chance of developing kidney and gall stones is also reduced,  and the threat of Type 2 diabetes and high blood pressure is minimised.

This may be because vegetarian diets are often higher antioxidants, fibre, and phytochemicals (compounds found plant foods). They also tend to be lower in their content of animal fats. In addition, some meats, particularly red meat, may be high in cholesterol and saturated fat, and a chemical which contributes to the build up of fatty deposits in arteries – which may in turn lead to heart problems./p>

Other health benefits of a diet high in fruit, vegetables, legumes and grains include:

  • Hormone-free food
  • Lower blood pressure
  • Improved digestion
  • Greater intake of healthy amino acids
  • Low or no saturated fat
  • Healthy cholesterol levels

Additionally, some studies also show that vegetarians tend to have a greater awareness of factors that lead to a healthier lifestyle, with a lower level of nicotine intake, a lower average alcohol consumption and a higher participation in sport / regular exercise than non vegetarians.

Cheaper Life Insurance for Vegetarians

At Make A Difference insurance we believe that vegetarians should be rewarded for choosing a healthier lifestyle with access to lower insurance premiums.

Although there is there is no life insurance product in Australia that is specifically designed and priced for vegetarians or vegans, we have found two insurance companies who will give between a 10% and 20% discount to people who look after themselves, eat well and exercise, regardless of having a plant based diet or not.

If by chance you don’t qualify for the discount due to a previous medical issue like cancer or because you have smoked in the last 12 months, then we’ll personally still give you a 10% discount just for choosing a healthier lifestyle. Other types of personal insurance such as income protection, trauma insurance and total and permanent disability insurance may also be provided at a discounted rate.

Life insurance premiums are calculated based on several factors, including family medical history, and some lifestyle choices such as alcohol and nicotine intake. If you’re a vegetarian considering personal insurance such as life insurance, income protection, trauma insurance or total and permanent disability insurance, you may be surprised to learn your healthy eating habits can help you secure discounted Vegetarian Life Insurance.

Putting Our Money Where Our Mouth Is

At Make A Difference Insurance we’re advocates (and practitioners) of healthy eating habits. We know first hand that a healthy lifestyle not only benefits us today, but can ensure life longevity and good health for many years to come.

To discuss how your vegetarian lifestyle not only guards against future illness but can help you receive life insurance at a reduced rate, contact the team at Make A Difference Insurance.

Further reading:

Protein – That Old Chestnut
Vegetarian Life Insurance
Live Forever – Become A Vegetarian