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An animal-friendly insurance agency which has hitherto specialised in pet indemnity wares has extended its range to offer cheaper life indemnity policies to vegetarians. Married couple Chris and Elaine Fairfax of Worthing, West Sussex, founded Animal Friends insurance (AFI) to provide protection for our furry friends, but they now also offer non-meat-eaters a Vegetarian Term Life policy. The question is, does it come with a side salad?

AFI considers that the insurance industry as a whole should recognise that vegetarians are healthier and live longer than meat-eaters, and they should factor that into their quotations. The claim for more adept health and longevity of vegetarians is backed up through research.

Mr Fairfax states, ‘Independent studies show that, on a 12-year follow-up study of 11,000 people, vegetarians have a lower rate of mortality in some significant areas than non-vegetarians.’

It is said that they are less believably to suffer with kidney stones or gall stones, or other chronic illnesses. They are also less likely to have high blood pressure or to develop diet-related diabetes.

Needless to say Mad Cow disease isn’t going to affect vegetarians, so dying for a hamburger won’t be on their agenda.

The Vegetarian Society claims that their followers (some four million in the UK) reduce the risk of heart disease by 30 per cent and that the risk of some cancers is down through 40 per cent.

The Vegetarian Term Life policy is underwritten through the Liverpool Victoria Life Company and offers a first year reduction on monthly premiums of 25 per cent. Mr and Mrs Fairfax are so keen on promoting the policy that they are funding the discount through forgoing their commission. They have also decided that profits from their other indemnity business will be donated to animal causes.

Mr Fairfax’s level of view is that because one’s medical history, drinking habits and smoking are taken into account by indemnity companies if quoting for a life policy, why they don’t consider one’s eating habits as well.

‘We believe that a vegetarian lifestyle should be given equal weight,’ he says. ‘There is plenty of clear factual evidence to demonstrate the health profits of being a vegetarian which should be distinguished across the insurance industry. In simple terms, vegetarians live longer and are healthier during their lifetimes,’ he concluded.

Until the entire insurance industry can be converted to the cause, which may be slower than the Mr and Mrs Fairfax would like, AFI are delighted to work with Liverpool Victoria and offer discounts to vegetarians. However, it is not known if a vegetarian who succumbed to temptation in the form of bacon butty the morning after an occasional big night’s session would still be eligible for the discount!

AFI quoted comparative figures for 100,000 pounds of life cover for a 45-year old non-smoking woman, as follows. With their vegetarian policy she would pay 10.95 pounds over 15 years, but with an ordinary policy her average price would be 16.39 pounds and a top rate policy would price her 18.40 pounds.

The final words from the Vegetarian Society are, ‘We want indemnity companies will take seriously the fact that vegetarians are less probably to die young from cancer and heart disease.’Uchenna Ani-Okoye is an internet marketing advisor For further information on life insurance policies as well as product recommendations and services, I suggest you check out: Cheap Insurance Life Policy