Outlive Your Term Life Insurance Policy: Take a Vacation

If you want to know what happens when you outlive your term life insurance, then put aside whatever excuses you've been using for not taking a vacation and plan a trip! Vacations and term life insurance are more related than you think because frequent vacations make you happier, eliminate the first signs of depression, and improve your mental state. All of this adds up to outliving your term life insurance policy! Compare term life insurance rates by using our free term life insurance calculator 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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Do you have vacation time built up? Then put aside whatever excuses you’ve been using for not taking it and plan a trip. Research shows that regular getaways may extend your life. Scroll down to learn more about vacations and term life insurance policies.

Vacation for Your Health

A nine-year-long study tracked the health of 12,000 middle aged men who were at high risk for heart disease. The men were surveyed to see how many vacations they took each year. Men who took at least one vacation per year were almost 30 percent less likely to die from a heart-related cause compared with the men who did not take time off from work. Regardless of the men’s overall health and income, there was a definite connection between their risk of heart problems and their ability or willingness to take a well earned holiday. Researchers suspect that people who vacation may have better heart health due to the time away, helping to fend off stress, which is one of the biggest causes of heart health problems.

Vacation Statistics

Do you take advantage of all your vacation days? Below are some statistics that might get you out of the office:

  • The average American spends 261 days commuting, filling out time sheets and wondering what’s for dinner.
  • Approximately 459 million vacation days go unused in the United States per year.
  • More than one-third of American workers don’t take advantage of their vacation days.
  • Of those who do go on vacation, only 14 percent go away for more than two weeks at a time.
  • Men who take vacations are 32 percent less likely to suffer from heart disease than those who don’t.
  • Women who take vacations are 50 percent less likely to suffer from heart disease than those who don’t.
  • Women who don’t take vacations are more than twice as likely to suffer from depression as other women who choose to take a vacation.

Planned Relaxation

Vacations don’t have to be extensive or expensive. Even a short weekend away or an overnight trip can give you the added health benefits of vacation time. The sooner you start decompressing, the better. You don’t have to wait for a vacation to start managing stress better, either. Start relaxing with daily stress reduction strategies, such as deep breathing, meditation, and yoga.

Taking a vacation means that you have some time to relax and do some things you haven’t done for a long time. It’s a very good time to catch up on your sleep and increase your energy. It decreases your stress levels and improves your heart health. Taking frequent vacations makes people happier, eliminates the first signs of depression and improves your mental state. All of this adds up to the lengthening your life and out living your term life insurance policy. So what are you waiting for? Plan a trip today!

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