UPDATED: Mar 26, 2020
We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Virtually every living being needs sleep to survive. Humans are no exception.
As a human, I can attest to that. When I don’t get enough sleep, I’m irritable; I can’t concentrate, and I make [more] mistakes. No good comes from sleep deprivation.
According to the Centers for Disease Control & Prevention (CDC), we’re in the midst of a public health epidemic. “Insufficient sleep is associated with many chronic diseases and conditions—such as diabetes, cardiovascular disease, obesity, and depression—which threaten our nation’s health. Aside from these, insufficient sleep is also responsible for motor vehicle and machinery-related crashes, causing substantial injury and disability each year.”
The CDC estimates that more than 25% of the U.S. population is not getting adequate sleep, and almost 10% suffer from chronic insomnia.
A survey done by the Better Sleep Council in February 2014 found that nearly 8 in 10 Americans admit they would feel better and more prepared for the day if they had an extra hour of sleep.
How Can You Improve the Quality of Your Sleep?
These sleep hygiene tips might help:
- Be consistent with the time that you go to bed at night and arise in the morning.
- Sleep in a dark, quiet room without the disturbances of electronic devices. (Yes, that means televisions, tablets, laptops, and mobile phones, too.)
- Avoid eating large meals too close to bedtime.
- Avoid alcoholic beverages before going to sleep.
- Exercise regularly (but not too close to bedtime).
- Do something relaxing before bedtime, like reading fiction, praying, or meditating.
That last bullet point is an important one to call out. Stress can be a major disruptor of sleep, so doing what you can to decrease your worry and anxiety can help you obtain those elusive zzz’s.
One Way to Get Peace of Mind for More Peaceful Sleep
According to the 2014 Insurance Barometer Study by Life Happens and LIMRA, “Over a third of Americans are concerned with leaving dependents in a difficult financial situation should they pass away prematurely, and over a third are concerned with leaving others to pay for their funeral expenses.”
My guess is some of them are losing sleep over it. But, fortunately, that doesn’t have to be a concern that keeps you up at night.
With a term life insurance policy to protect your family, your loved ones wouldn’t have to hit tough financial times if the unthinkable were to happen to you.
Term life insurance provides a payout (a death benefit) to your beneficiaries if you pass away while your policy is in effect. Term life offers a lot of flexibility, so you can align it with your family’s needs and your budget. Compared to other forms of life insurance, term life enables you to purchase the greatest amount of coverage for the lowest premium.
Unlike permanent (Whole & Universal Life) policies, term life policies provide coverage for a specific period of time (a term). Typical term lengths are 10, 15, 20, 25, and 30 years, but you could get a five-year or even a one-year term policy. The shorter the term, the lower your premium. Besides its affordability, term life is also versatile. Many term policies give you the option to convert your term life policy to a permanent policy within a specified period. Although this option would increase your premium, the coverage that would have ended at the close of that term then continues for life.
If you think financial peace of mind could give you a better night’s sleep, why not check out how much a term life policy to protect your family might cost you? You can get a quote quickly and easily online or talk with a trusted life insurance professional to learn more.