IENACE

Summary
An innovative new product has been developed by Animal Friends Insurance. The life insurance policy offers discounted premiums to vegetarians, based on evidence that they are at a lower risk than their carnivorous counterparts of developing certain health conditions. It remains to be seen whether other insurers will follow the lead set by Animal Friends Insurance .

A no-profit insurance business has introducd an insurance scheme which offers fish-eaters and vegetarians a reduced price life insurance.

The offer, considered to be the first of its type, is being introduced by Animal Friends Insurance (AFI). The business is offering vegetarians a 6% lower priceon cheap life cover premiums
The business claimed that vegetarians ought to pay a lower amount for the insurance cover, which pays out if the client were to die, because they were more unlikely to suffer from a range of very serious illnesses, including some cancers.

Sheils Hatline, AFI’s managing director, claims that the danger of veggies being diagnosed with certain cancers is lowered by up to forty per cent and the danger of them suffering from heart disease is lowered by up to 30%, but despite this they have, until now, had to pay broadly the same premiums as clients who eat meat.
She says that Animal Friends Insurance believe this is unfair and says the life organisations should recognise the concept that being a vegetarian can make a very positive impact on life expectancy and cut its monthly premiums accordingly.

A full-price plan is also on the market for meat eaters. Both plans are brought to the market by LV=, which prior, was known as Liverpool Victoria.

In common with standard life insurance policies, a range of factors contribute to the cost of the monthly premium including whether the applicant smokes, their age, weight and sex.

Currently, AFI is funding the 7% discount itself from the money it receives from LV=. In the future, however, the company’s objective was to offer lower premiums on specialist cover. In making the discount the business is hoping to sign up enough vegetarians to make it cost effective for LV= to underwrite yet another insurance plan that takes the vegetarian’s diet into account.

Indeed there are big savings to be had, a forty-year-oldnon-smoker purchasing £300,000 worth of life insurance might potentially save £393.60 over a 25-year term.

Where cheap life insurance is concerned, AFI considers that life insurance companies should start to treat those that like meat and those that do not eat meat in ways that are similar to the way they assess non-smokers and smokers. Hopefully others in the insurance industry will follow the initiative.

It is thought that some senior managersin the insurance industry doubt whether there is robust proof that vegetarians live longer, and how any insurer could prove that people who had stated that they were veggies did not munch on an occasional bacon sandwich.

It’s true that when it comes to smoking there are GP records – if you now don’t smoke it’s possible that your GP is likely to know about it. But this does not apply when it comes to eating meat, an insurance executive observed.

But many veggetarians say that they are not concerned about people falling off the veggie ways and suggested that once a vegetarian has become a veggie, they don’t return to meat-eating, unlike smokers who tend to drift in and out of their habit.

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Any medical information published on this web page is not intended as a substitute for informed medical advice and you should not take any action before consulting with a health care professional.