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Life insurance for vegans

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A vegan version exists for nearly everything: vegan cheese, vegan milkshakes and even vegan burgers. In terms of insurance, while there is no specific vegan life insurance, eating a clean, plant-based diet may help you score lower life insurance premiums. If you understand why what you eat could impact what you pay, you may be able to find the best life insurance companies for vegans.

What makes a healthy vegan diet?

When talking about life insurance for vegans, the general conversation is around policies for people who maintain a healthy diet. It is important to note that vegan does not necessarily mean healthy. You can eat vegan and rely primarily on french fries for nutrition. Additionally, if you follow a vegan diet and do not modify with supplemental nutrients like B12, you could end up with deficiencies.

But, generally speaking, because following a vegan diet usually means paying more attention to your food choices, eating vegan could lead to more opportunities to eat healthily.

All told, following a vegan diet can deliver health benefits, including more balanced blood sugar levels, reduced risk of heart disease and certain cancers and a healthier weight. The health benefits primarily occur because when you eat a healthy vegan diet, your nutrition centers around health-boosting food options like:

  • Fruits and vegetables — Because fruits and veggies are rich in fiber, vitamins, minerals, antioxidants and a whole bunch of other nutrients, health experts recommend eating lots of them. The CDC says that only one in 10 American adults gets enough fruits and veggies. However, when you eat vegan, produce makes up the backbone of your diet, helping you get more vegetables and fruit.
  • Nuts — In the hunt for plant-based protein, many vegans eat more nuts. And because nuts are great for your brain and heart and can lower your risk for diabetes and high cholesterol, they come with added health benefits.
  • Vegan substitutes — With animal products off the table, many vegans make swaps in the kitchen. That can mean eschewing things that are not overly healthy, like cheese, with something that could be better for you, like a cheese substitute made with cashews and nutritional yeast.

Does following a vegan diet impact life insurance rates?

Many life insurance companies are likely to view people who eat vegan as healthier than the average person, which could have an impact on your life insurance cost.

When life insurance providers give you a quote for a policy, they look at a multitude of factors that are specific to you. This includes your age, personal and family health history and your lifestyle.

Ultimately, the healthier you are, the less you will likely pay for life insurance coverage. The general thought is that if you have a longer life expectancy, an insurer is less likely to have to make a death benefit payout for you sooner rather than later.

And because being vegan can impact some key health indicators, you might be able to find more affordable life insurance policies for vegans than for the average American.

The table below features some of the major health concerns that life insurance companies consider when writing policies.

Health consideration Definition
Heart disease Heart disease, which includes coronary artery disease (CAD) and other heart conditions, is the leading cause of death in the U.S. It accounts for as many as one in four deaths.
BMI (Overweight) Body mass index (BMI) factors in your height and weight to get a rough estimate of your body fat percentage. If your BMI is 25 or above, you’re considered overweight, which puts you at a greater risk for a range of health conditions.
Diabetes When your body cannot keep its blood sugar levels properly balanced, you may be diagnosed with diabetes. This puts you at a greater risk for a number of complications, from vision loss to slow-healing ulcers.

To understand how life insurance for vegans might work, it might help to understand how a vegan diet impacts each of these health concerns.

Heart disease

The American Heart Association says that a plant-based diet reduces your risk of heart disease. Because cutting out meat — a necessity if you are eating vegan — can help keep your heart healthy, life insurance companies may be motivated to offer you a lower rate.

BMI (overweight)

More healthcare providers are recommending a plant-based diet because it could lead to a healthier BMI. Research also shows that eating vegan significantly reduces your risk for obesity.


When underwriting life insurance for vegans, some insurance companies may factor in that eating vegan could reduce your risk for type 2 diabetes by up to 23%.

Although telling a life insurance company that you are vegan will not guarantee the lowest possible premiums, it could help your chances of getting a more affordable life insurance policy.

HealthIQ life insurance for vegans

Certain companies have set out to better connect healthy individuals with low insurance costs. HealthIQ is a prime example, which is an insurance marketplace that can be used to find lower life insurance rates. If you want to purchase a brand new policy or switch your life insurance carrier to see how your vegan lifestyle can deliver savings, HealthIQ could be a great place to start.

HealthIQ is not a life insurance carrier itself, meaning it will not be able to issue your insurance policy. Instead, it connects you with other life insurance providers. The perk is that HealthIQ can offer special rates, which could lead to less expensive premiums.

Ultimately, Bankrate recommends comparing quotes from multiple insurance providers to make sure you are getting the best life insurance coverage for your needs and money. And as you compare quotes, make sure you are comparing apples to apples, meaning that you request quotes for the same amount of coverage. If you are not sure how much life insurance you need, we have a life insurance calculator to help.

Written by
Kacie Goff
Personal Finance Contributor
Kacie Goff is a personal finance and insurance writer with over seven years of experience covering personal and commercial coverage options. She writes for Bankrate, The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and more. She's covered a broad range of policy types — including less-talked-about coverages like wrap insurance and E&O — and she specializes in auto, homeowners and life insurance.