Asteron Life will give premium discounts of up to 25% to customers with healthy lifestyles, while its application process for healthier clients has been simplified for advisers.

Clients can qualify for the Healthy Life Option by answering a few lifestyle questions.

The option saves new customers 10% on stepped life and total and permanent disability (TPD) cover. If bundled with income protection or business expenses cover, an additional 5% applies to all lump sum policies.

Asteron Life Head of Wealth and Life Intermediaries Steve Degetto says the insurer is responding to a growing focus on eating well, keeping fit and living healthier.

“We believe these choices should be recognised and rewarded, and that’s just what our healthy life discounts are all about,” he said.

“Combined with other product features, such as the two-year terminal illness benefit, the healthy lifestyle discounts are designed to make Asteron a more competitive, attractive and affordable alternative.”