Bust These Fitness Myths to Save on Term Life Insurance

It’s no secret that a healthy lifestyle will save you money on term life insurance. But some fitness myths can actually be hurting your workout regimen. Below are a few fitness myths debunked so that you can continue working at maintaining your healthy workout plan. Remember - you don’t need to sweat or hurt yourself to get a good workout. Just monitor your heart rate, mix up your workouts, and stick to a balanced diet.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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There are a lot of misconceptions and faulty conclusions about working out. It is important to get your facts straight to better your workout plan. And with a better workout plan comes a better term life insurance premium.

Below are some fitness myths debunked so that you can continue working at maintaining a good fitness program.

If you’re not sweating, you’re not working hard enough.

Sweating is your body’s way of regulating its temperature and is not necessarily an indication that you are working hard. If you’re not sweating during your workout, it may be because you just have fewer sweat glands than others.

It’s possible to burn a significant number of calories without breaking a sweat. Try taking a walk or doing some light weight training. The best way to see if you are working hard enough is by measuring your heart rate during your workout.

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Running on a treadmill puts less stress on your knees than running on pavement.

Running on a treadmill can cause more duress to your body than running on pavement. When you run on a treadmill, the rotating belt pulls your feet back as you run and runners may subconsciously shift their strides which can put extra stress on your knees. This promotes muscle imbalances and hurts your ability to run in the long term. The best way to reduce knee impact is to vary your workout. If you mix running with other cardio activities, like an elliptical machine or you a stationary bike, you will reduce the impact on your knees, so you’ll be able to run for many more years to come.

Doing crunches and ab workouts will get rid of belly fat.

Don’t believe everything you hear on those late-night infomercials. You can do crunches until the cows come and still not see a six-pack. If you have a high percentage of body fat, your abs will likely have fat as well. While ab-crunching might help strengthen the muscles around your midsection and improve your posture, being able to see your abdominal muscles has to do with your overall percentage of body fat. If you don’t lose the belly fat, you won’t see the ab muscles. To visibly get abs, you need first to reduce your overall body fat by increasing your cardio work and adjusting your diet.

No pain, no gain.

Of all the fitness rumors ever to have surfaced, the “no pain, no gain” motto has the most potential for harm. Your body does not need to hurt for you to get a quality workout. Pain is not an indicator of success or results.

The goal is to challenge your muscles but not to the point that they hurt. In fact, you are not supposed to feel any pain during your workout. If you do feel pain, you are either doing something wrong or pushing your body too hard or too quickly. Pain can often be a working sign of a torn ligament or tendon.

Consider these fitness myths officially busted. You should be monitoring your heart rate rather than sweat production, mixing up your workouts instead of posting it up at the treadmill, dropping body fat as well as doing ab exercises and listening to your body rather than over-doing it.

If you consider the above advice and stick to a balanced diet, you should begin to see the results you want as well as a lower term life insurance premium.

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