UK Vegan And Vegetarians Life Insurance Quotes

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 11th March 2024

Vegans and vegetarians are often healthier and less likely to die early as a result of eating a plant-based diet

The Insurance Hero life cover analysts have studied all the life cover available to UK residents. This includes many life insurers not on the usual comparison engines.

As a vegan or vegetarian, securing life insurance coverage at a lower premium is more likely due to a significantly lower risk profile.

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UK-Based Vegans Vegetarians Life Insurance Quotes

The rise of veganism and vegetarianism in the UK has been significant over the past few years. More people are making the switch with increasing awareness about these diets’ health benefits and environmental impacts.

While it’s important to clarify that being vegan or vegetarian doesn’t necessarily guarantee a cheaper insurance premium, there are several reasons why these individuals might receive more favourable treatment when obtaining a life insurance quote.

Health Benefits Associated with Plant-Based Diets

1. Lower Risk of Chronic Diseases:
Numerous studies have shown that vegans and vegetarians often have a lower risk of certain chronic diseases, including heart disease, hypertension, and type 2 diabetes.

These conditions are significant risk factors in life insurance calculations. By reducing risk, vegans and vegetarians might be viewed more favourably.

2. Healthy Body Mass Index (BMI):
People who follow a plant-based diet often have a healthier BMI than those who consume meat.

A healthy weight reduces the risk of various health complications, which can be a positive indicator for life insurance providers.

3. Reduced Cancer Risk:
Some research suggests that vegans and vegetarians might have a lower risk of certain cancers. While the evidence is still evolving, reduced cancer risk can be a favourable factor in life insurance assessments.

Environmental Considerations

4. Lower Carbon Footprint:
Vegans and vegetarians contribute to a lower carbon footprint due to dietary choices. While this might not directly impact an individual’s health, it showcases a responsible and conscious lifestyle choice that some insurance providers can view positively.

5. Sustainable Lifestyle Choices:
Choosing a plant-based diet often goes hand in hand with other sustainable lifestyle choices, such as reducing waste and supporting ethical practices. These choices indicate a more health-conscious and risk-averse individual, traits that can appeal to life insurance companies.

Commitment to Long-Term Health

6. Conscious Health Decisions:
Choosing to be vegan or vegetarian often requires significant research and understanding of nutrition. This demonstrates a commitment to long-term health, which can be a positive sign for insurers.

7. Regular Health Check-ups:
Vegans and vegetarians, conscious of their dietary needs, often opt for regular health check-ups to ensure they get all the necessary nutrients.

Regular check-ups can detect potential health issues early on, leading to better health outcomes.

While being vegan or vegetarian in the UK doesn’t guarantee a cheaper life insurance premium, the associated health benefits and lifestyle choices can lead to a more favourable treatment during the quote process.

Individuals must provide accurate information and consult with their insurance providers to understand how their dietary choices might impact their insurance quotes.

The Vegetarian and Vegan Lifestyle Is To Be Commended

They are much less likely to use alcohol or recreational drugs excessively, making life-threatening events much less probable.
They are less likely to drive a fast car or motorcycle and have a much lower chance of being in a fatal road traffic accident.
They are more likely to take better care of their health, taking preventative measures and dealing with ill health early if it does arise.
The Journal of the Alzheimer’s Association states that a diet based on a good quantity of leafy green vegetables, fibre, fruit, nuts and berries is linked to a 53% reduced incidence of Alzheimer’s disease, especially in people prone to such conditions.
According to a 2022 study published in the Diabetes Care Journal, people following a vegan lifestyle have a 49% lower risk of type 2 diabetes.

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Amount of cover?*Choose an amount that reflects your financial needs in the event of a claim. For instance you might want to pay off a mortgage or debts, or leave a lump sum to your family
First Name:*
Last Name:*
Date of Birth*Your age is one of the factors used to calculate your premium. You must be aged between 18 and 80.
Email*
Phone Number*
Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

Case Study: A Vegan Couple’s Journey To Financial Security With Life Insurance

Introduction:

Meet Sarah and James, a vegan couple living in London. They have been committed to a vegan lifestyle for over a decade, embracing a diet free from animal products and supporting ethical consumerism.

The Vegan Lifestyle and Life Insurance:

The couple’s vegan lifestyle has positively impacted their overall health. Studies have shown that a diet rich in plant-based foods often leads to lower cholesterol and blood pressure and a reduced risk of chronic diseases.

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Choosing the Right Life Insurance Policy:

Sarah and James explored various life insurance options, and after careful consideration, they chose a policy that provided the coverage they needed

Benefits for Them and Their Loved Ones:

Financial Security: The life insurance policy ensures that their loved ones will be financially secure in the event of their untimely demise.
Cheaper Cover: As they were in their mid-thirties, non-smokers and healthy they were eligible for a competitive premium, saving them money in the long run.
Alignment with Values: By choosing a provider that recognises the benefits of a vegan lifestyle, they strongly aligned with their core beliefs.
Peace of Mind: Knowing that their family’s financial future is secure, they can focus on their passions and commitments without worry.

Conclusion:

Sarah and James’s story illustrates how a vegan lifestyle can positively impact various aspects of life, including financial decisions like life insurance.

Their choice to invest in a policy that recognises their healthy lifestyle has provided them cheaper cover and peace of mind.

This case study serves as an inspiration for other vegans and vegetarians looking to align their financial planning with their ethical values.

References:

Steve Case

Steve Case is a seasoned professional in the UK financial services and insurance industry, with over twenty years of experience. At Insurance Hero, Steve is known for his ability to simplify complex insurance topics, making them accessible to a broad audience. His focus on clear, practical advice and customer service excellence has established him as a respected leader in the field.

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