Can Life Insurance Help You be Happy?

Life insurance and happiness together...sounds odd? But having a little life insurance coverage can make your life happier, less stressful, and more secure. When talking about life insurance and happiness, it's needless to say that a tax-free payout is the main benefit, but the advantages of life insurance extend beyond extra cash. Learn more about affordable life insurance options below and compare quotes for free.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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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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Happiness is a delightful state of mind. Although we all have our distinct favorite things that make us happy, we’ve got one thing in common. We LIKE to be happy.

Case in point, how many songs have been written about being happy?

  • Most recently we’ve got Pharrell Williams’ “Happy.”

  • Back in high school, the musicals I performed in during my freshman and sophomore years both had happy-themed songs. “I Want To Be Happy” in No, No, Nanette and “Happy Talk” in South Pacific.
  • And we can’t forget about “Happy Birthday.”

Seeking happiness is a big deal for most people.

How Does Happy Happen?

Often it’s the simple things in life that make us most happy. We all have our unique likes, dislikes, and frames of reference.

Here’s my short list:

  • Weekends.
  • Taking my dog for a long walk.
  • Hugs from my daughter.
  • Sharing a bottle of wine and conversation with my husband.
  • Laughing with abandon in the company of my friends.
  • Vacations.
  • Steamed broccoli.

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Happiness is Peace of Mind.

Among the multitude of other things that make me happy is a good night’s sleep.

Having the peace of mind that my family is provided for financially helps with that.

I sleep easier at night because my husband and I secured life insurance policies to protect what we’ve worked so hard for over the years. While we both have some coverage through my husband’s employer (which would go away if ever he lost his job or left the company), we purchased additional insurance – including a term life policy on me because of its affordability and flexibility.

It feels good to have that in place, and I believe we’re both a tad happier knowing we’ve got something to fall back on if the unimaginable happens.

Is Life Insurance the Key to Happiness?

According to 2013 online Harris poll, just one in three Americans says they’re very happy. Interesting also is that research indicates 30% of U.S. households don’t have life insurance.


Maybe, but I don’t think it’s too farfetched to say feeling secure about the future would move the needle on the happiness meter for most people.

Also, being happy could save you money on term life insurance.


Well, you won’t actually find questions on your term life insurance application asking if you are happy. That would be weird. But you will find questions asking if you are unhappy.

More specifically, life insurance companies are very interested in knowing if you’ve ever been treated for anxiety or depression. If so, your depression may lead to term life insurance costs that are a little higher.

Don’t Worry. Be Happy.

So if uncertainty about your family’s financial future detracts from your happiness, wouldn’t it be worth your time to check out your term life insurance options and get a term life insurance quote quickly and easily online?

You’ll probably discover the cost is far more affordable than you think. In fact, term life insurance is the most affordable type of life insurance you can buy. You can even convert term policies to whole (permanent) life policies within a certain amount of time. Learn more about affordable options here: Affordable Life Insurance.

Will term life insurance alone make you happy? Probably not. But it could get you one step closer.

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