Protection advisers need to help clients identify health risks to negotiate lower premiums, online health and wellbeing service vielife has said.
According to vielife, 50% of workers using its platform suffer poor health and its data shows employee health and wellbeing is a serious concern to many organisations.
Vielife data, based on 40,000 of its online participants, showed 36.4% of workers had poor nutrition and 33.4% of workers had poor sleep; more than a quarter of workers suffered from high stress.
Vielife said if advisers could help clients identify and reduce health risks and provide data evidence to support it, they could negotiate reduced renewal premiums.
Paul Molyneux, managing director of IFA firm Molyneux Associates, said: "It is not all about price, it is about wellbeing.
"We are strong believers in staying healthy. Clients are generally quite interested in talking about improving wellbeing among staff, not necessarily to reduce price but to increase productivity in their workforces.
"It is not all about saving money it is about reducing absenteeism, and maybe clients might even pay a bit more for a package that really does the wellbeing and health side of things well."
Stuart Peall, global business development manager at vielife, said: "Through the year we hope to announce some major alliances and help more advisers differentiate their businesses through health and wellbeing."
The online health platform enables advisers to show clients any employee health issues and identify large health insurers that bundle basic health and wellbeing systems into client contracts.
There are just two weeks to go until the COVER Protection and Health Summit 2017 takes place.
Zurich has launched a website for employee benefits consultants, advisers and employers.
VitalityHealth and Nuffield Health have launched a joint venture to provide large employers with a health and engagement solution for their entire workforce.
Over two thirds of the UK adult population either hasn't purchased any life insurance (57%) or doesn't know whether they have or not (11%), research from LifeSearch has found.