How to Outlive Your Term Life Insurance Policy: By Giving

Our best tip to outlive your term life insurance policy is to practice the "Law of Giving" in your everyday life. The Law of Giving essentially states 'the more you give, the more you get’. As it turns out, numerous scientific studies show giving can positively impact longevity. By giving money and emotional support back into the world, you may be able to get your money back with this helpful tip to outlive your term life insurance. Compare term life insurance quotes easily with our free tool below.

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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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The great Buddha once said, ‘Thousands of candles can be lit from a single candle, and the life of the candle will not be shortened.’  Most would agree that giving can have a positive impact on both the giver and receiver. But can the act of giving possibly extend the life of the giver?

What it Means to Give

The Law of Giving essentially states ‘the more you give the more you get,’ while Karma generally means ‘what goes around comes around.’ Many people use these laws or beliefs as inspiration to be a good person. And as it turns out, there are numerous scientific studies that show how giving can make a positive impact on longevity.

Giving doesn’t always have to involve money. Giving by volunteering or providing emotional support has been the subject of several studies on longevity. The University of Michigan completed a 5-year study to compare the results of giving versus receiving support . The results showed a significant decrease in the mortality rate for those participants who gave support compared to those on the receiving end. An article by the Hawaii Alliance of Nonprofit Organizations summarizes the results of a study done by The Corporation for National and Community Service on volunteering. The report, which examined over 30 studies on the relationship of volunteering and health, showed elderly participants who volunteered at least 100 hours per year enjoyed significant health benefits and increased longevity.

Sometimes it can be easier to give when you have a lot – a lot of money that is! The following are some modern-day givers and the amounts they have given to charity, as reported by TheNational.

  • Oprah Winfrey – donated $50 million dollars to charity in 2009 and $41.4 million in 2010
  • Angelina Jolie and Brad Pitt – donated $13.4 million in 2009
  • Barbara Streisand – donated $16 million in 2007, and $11 million in 2008
  • Bill and Melinda Gates – Set up the Bill and Melinda Gates Foundation with an endowment of $25 billion dollars

Ways to Make a Difference

An iconic example of giving and longevity, Bob Hope, lived to be 100 years old. And according to his agent, he donated over $1 billion dollars in his lifetime. While you might not have billions of dollars to give away, you can still make giving a part of your life. Take a look at these ideas on how you can make a difference:

  • Make a monetary donation you can afford to your favorite charity.
  • Volunteer your time at a homeless shelter or a nursing home.
  • Be a confidant to someone who needs to talk.
  • Give small but important ‘gifts’ to the world; pick up some litter or pay the toll for the person in line behind you.
  • Donate to charity any material possessions you no longer use.
  • Get your children involved in volunteer work that they will enjoy.
  • Send an anonymous gift to a co-worker who is having a bad day.
  • Smile at people you don’t know while walking down the street.

Share with us some of the ways you give your time or money. How does it make you feel?

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