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May 10, 2017

USMS members qualify for special-rate life insurance for swimmers

USMS is pleased to announce a unique new USMS membership benefit, special-rate life insurance for swimmers, from our official partner Health IQ. Health IQ works with innovative insurance carriers to offer swimmers special rates on life insurance. As a licensed insurance broker in all 50 states, Health IQ has helped tens of thousands of health-conscious people, including swimmers, secure more than $4 billion in life insurance coverage.

“Health IQ and U.S. Masters Swimming share a commitment to fitness and healthy living for adults through swimming. Together we have an incredible opportunity to reward USMS members’ health consciousness by providing access to special-rate life insurance,” says USMS CEO Dawson Hughes.

Swimmers Have Lower Mortality Risk

Health IQ gathered data showing swimmers live longer than nonswimmers thanks to swimming’s many health benefits, including improved cholesterol, blood pressure, and cardiovascular health. According to a 2008 study published in the International Journal of Aquatic Research and Education, swimming leads to a 53% lower all-cause mortality.

USMS Members Qualify for Special Rates

USMS members can qualify for the special-rate life insurance for swimmers by verifying their swimming knowledge and health consciousness through a short Health IQ quiz. Proof of USMS membership or certified distance and competition results also help swimmers qualify for special rates.

U.S. Masters Swimmers Insured by Health IQ

Several USMS members already count themselves as Health IQ clients, including Denise Dombay, a Masters swimmer from Germantown, Md. She was recently shopping for life insurance when she came across an ad for Health IQ life insurance for swimmers on Facebook. Health IQ interviewed her about her experience.

Health IQ: How long have you been involved in swimming?

Denise Dombay: I’ve been swimming since I was 5 years old, and I also swam competitively for the George Washington University swim team (Class of ‘88). The lifelong friendships I’ve made through the swimming community have been a great source of camaraderie. At the pool everyone is a swimmer.  It doesn't matter where you came from or what you do outside the pool. What matters is that you're there to swim early in the morning or late at night.

HIQ: As a healthy and active swimmer, what made you consider getting life insurance?  

DD: Like most people I first got life insurance when I got married.  When I had my two children it became even more important. Anyone who has someone in their life who depends on them for financial support should consider life insurance.

HIQ: Why did you decide to switch to Health IQ life insurance?
DD: I switched to Health IQ during a recent job change because I had always relied on my employer for group life insurance, but then suddenly found myself without life insurance. It was a happy coincidence that I was just thinking about replacing my life insurance when I saw I could get a special rate for swimmers through Health IQ.

HIQ: What was the application process to get the special rate for swimmers?
After submitting an online application I spoke with my agent for a short phone interview which took about 10 minutes. I took the Health IQ quiz and verified my swimming activity with my USMS membership card, it was fast and easy. We texted and emailed throughout the approval process, and the company sent a friendly nurse right to my home. The medical checkup was very quick and painless -- it took less than an hour and I had the results back in a couple of weeks. When I got the special rate from Health IQ, it was exactly as my agent quoted, much less expensive than the corporate plan, and it was something that I could carry with me no matter where I worked.  

HIQ: Would you recommend Health IQ to other USMS Members?

DD: I love that the company supports USMS and rewards health-conscious swimmers. I've already recommended Health IQ to my fellow Masters swimmers because many of them are in the same stage of life, with young kids or kids heading off to college. Swimming and saving money don’t always go hand in hand, but when they do it’s great to take advantage of that!

U.S. Masters Swimming members can obtain a quick quote for special-rate life insurance for swimmers through a short online application and brief phone interview at

About Health IQ

Health IQ’s mission is to improve the health of the world by celebrating the health conscious through social and financial rewards. As an official partner of U.S. Masters Swimming, Health IQ offers USMS members special-rate life insurance for swimmers. Health IQ is a licensed life insurance broker in all 50 states and has helped tens of thousands of health-conscious people, including swimmers, secure billions in insurance coverage. Founded in 2013 by a team of health-conscious entrepreneurs, Health IQ gathered research and data to convince top-rated, innovative insurance carriers that health-conscious people had lower mortality and deserve lower rates on life insurance. Learn more at:


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