Outlive Your Term Life Insurance Policy: Exercise for More than Looks

If you want to outlive your term life insurance, it’s time to exercise for more than just the look. Exercise can get you the beach bod you want, but even if you don’t notice any physical changes right away, your health is still improving. You can outlive your term life insurance with exercise by regulating your sleep schedule, reducing your stress, improving your mood, and more.

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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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It’s easy to get to the gym when you’re preparing for that big beach vacation or want to look perfect for a special event. But what about the rest of the time? Vanity isn’t a great long-term motivator for most people. Try and bring consistency and enthusiasm to your exercise schedule.

Below are some powerful reasons to work out that have nothing to do with looking good and may just help you outlive your term life insurance policy.


Here’s a pretty obvious one. If you exercise regularly, your strength and endurance will improve. Even slight changes in muscle size can make a big difference in strength. An increase in muscle that’s not even visible can be all it takes to improve your ability to do small tasks.

By exercising regularly, you’ll be better able to better tackle everyday activities and enjoy doing them more.

Bonus for personal trainers: a benefit you can tout to your clients and potential clients considering training with you is that money spent training is money invested into cheaper life insurance rates! And money you invest into your business with the best gym management software, fitness marketing, and other business tools for personal trainers will pay off not only with business results but in better health for your clients.

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Mental Capacity

Physical exercise is not only good for the body but also the mind. Exercise helps to maintain blood flow to the brain and encourage new brain cell growth.

Aerobic exercise improves oxygen consumption, which benefits brain function and reduces brain cell loss. Another reason to get at least 30 minutes of exercise in each day.


Working out does not have to feel like work. There are plenty of enjoyable ways to exercise. For example, if you live in a scenic area, going for a run or bike ride along a beautiful route.

Other great options include using exercise as a chance to spend time with friends and family, playing a sport or game and striving to achieve new personal bests. Find something you love that can keep you active.

Stress Relief

Nothing can beat regular exercise as a stress reducing technique. Exercise is the best way to dissipate the excess energy, especially if you have a sedentary job. Exercise causes the release of chemicals called endorphins into your bloodstream, making you feel relaxed and happy.

As such, it can be a helpful tool in fighting depression, anxiety and lowering blood pressure. For these reasons, it’s a good idea to channel your energy into exercise.

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Better Sleep

Studies have shown that regular physical activity might encourage better shut-eye. People who meet national exercise guidelines sleep better and have less daytime fatigue than those who don’t train regularly.

Some researchers think physical activity improves sleep by helping reduce levels of stress, anxiety, and depression. Others have suggested an energy conservation hypothesis, essentially saying that when you burn more calories through exercise, your body more efficiently uses the sleep period to recover. Either way, more exercise means more rest.

Longer Life

When you choose to exercise, you’re making an investment, not just in your present physical appearance, but in the rest of your life. People who regularly exercise live longer and stay healthier into old age.

If not for yourself, consider the family members that love and depend on you. Exercise and outlive your term life insurance policy.

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