Sleep More to Save Money on Term Life Insurance (2021 Update)

Because sleep is entwined with our health — from the chemicals that regulate our moods to actual human growth hormones — sleeping the right amount of hours can lead to better health and lower life insurance rates. There are many ways to get better sleep, from turning off the television and mobile devices before bedtime to having a nightly routine. So sleep more to save money on term life insurance.

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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 shouldn’t surprise you to hear that lack of sleep can be detrimental to your health. Study after study shows sleep deprivation to be associated with a greater risk of heart disease, diabetes, obesity, and other chronic physical and mental health conditions.

But did you know it can affect your life insurance rates as well? This article shows how you can sleep more to save money on term life insurance.

Most sleep experts recommend seven to nine hours of shuteye each night. However, a recent study conducted by The Centers for Disease Control and Prevention reveals that nearly 35 percent of respondents do not meet the minimum seven hours.

The CDC report goes on to warn us about the immediate, day-to-day hazards of inadequate sleep, which include cognitive impairment and an increased likelihood of accidents.

If logging sufficient sleep each night can significantly improve physical and mental wellness, why aren’t more people making it a top priority?

Study author, Anne Wheaton, Ph.D., thinks it’s because people put are more focused on changing other undesirable habits such as eating poorly or smoking. “Sleep just isn’t at the top of their board,” says Wheaton.

We know current health is the most important factor used by life insurance companies to determine your eligibility for term life insurance (accuracy matters!) and the rate you will pay for a policy. So why not focus on sleep a little more to improve health and drive down the cost of term life insurance?

If you’re interested in a term life insurance quote and don’t know where to start, check out our Term Life Insurance Quotes page for information about what it is and how you can get one.

In addition to sleeping more, you can also find savings by jumping in and entering your ZIP code into our FREE online quote comparison tool. It’ll give you the best life insurance rates for your area based on your demographic information.

Tips for Sleeping Better

If counting sheep just isn’t cutting it for you, try these tips for grabbing the Z’s your body and mind deserve.

#1 – Set Your Alarm. Better Yet, Make that Two

It’s going to take discipline to get yourself on schedule. And you’re going to need it at the front end and the back end. Try setting two alarms: one for going to bed at a particular time in the evening and one for getting out of bed in the morning.

The morning alarm is a given, but most people don’t think about the second alarm. It serves as a good reminder to wind things down and get ready for bed.

#2 – Work With Mother Nature

Daylight wreaks havoc on the body’s sleep cycle. Block out all-natural and artificial light in your bedroom to help your body settle into its normal sleep pattern. Conversely, you can use light to help ease you out of sleep in the morning.

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This wake-up light with sunrise simulation from Philips will wake you up gradually with natural light. It also has calming wake-up sounds if you need an extra nudge on those cold winter mornings. Who doesn’t like waking up to a golden sunrise after all?

#3 – Ditch the Screens

All of them. Televisions, computers, smartphones, and the like. Why? Because they all emit blue light and blue light does not play nicely with our sleep-inducing hormone melatonin.

Long story short, blue light interferes with our body’s circadian rhythms. Studies have found that people who use blue light-emitting screens before bedtime experience worse sleep compared to those who do not.

Getting more sleep is an easy, realistic goal for most people. Like any other change worth making, it may be difficult at first. But once your new habits are ingrained you’ll be healthier, you’ll feel better, and you may just save a few bucks on your next term life insurance policy.

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Frequently Asked Questions: Benefits and Dangers of Sleep

Now that we’ve covered some topics and tips related to sleeping, let’s get to your frequently asked questions. They include:

  • Why is sleep a health benefit?
  • Is a lot of sleep good for you?
  • Is it okay to sleep 12 hours a day?

Scroll down for the answers to those questions and many more.

#1 – How does sleep benefit the body?

Sleep affects almost every part in the body from growth hormones, stress hormones, the cardiovascular system, breathing, blood pressure, and much more. During sleep, the body is repaired and stabilized.

#2 – Why is sleep a health benefit?

Sleep promotes numerous bodily processes that are necessary for functioning. These include the release of human growth hormones, the regulation of stress hormones, a resetting of the body, and a reparation of tissues.

#3 – How much sleep is good for health?

It varies for different age groups. Young children (aged 3-5) need as much as 10 to 13 hours of sleep, while adolescents need between eight to 10 hours. For adults, seven hours or more of sleep is fine for good functioning.

#4 – Is a lot of sleep good for you?

Too much sleep (more than nine hours) can result in an increased risk of diabetes, heart disease, stroke, and death. It can also have negative effects on mental health, contributing to mental sluggishness and depression.

#5 – What is the best time to sleep?

Everybody has their own circadian rhythms, meaning some people may be more sleepy around 10 pm while others won’t be tired until midnight or later. Regardless, the goal is to get seven hours or more of sleep.

#6 – Why is it important to sleep at night?

In addition to all the physical benefits we’ve mentioned, sleep has numerous mental effects, including promoting short- and long-term memory, the regulation of mood, and the ability to concentrate.

#7 – Is two hours of sleep enough?

Not particularly. While two hours of sleep is better than none at all (and can cause you to go through a whole sleep cycle), continued sleep patterns of just two hours per night can result in major problems, mentally and physically.

#8 – Is it okay to sleep 12 hours a day?

Oversleeping is not good for physical, mental, or emotional health and can result in an increased risk of a number of bad health conditions, both mental and physical.

#9 – How much sleep do we need by age?

Younger children (3-5 years old) need around 10 to 13 hours of sleep, pre-teens (6-10 years old) need between nine and 12 hours of sleep, teenagers need between eight and 10 hours of sleep, and adults need just seven hours or more.

How to Save Money on Life Insurance

With all of this talk about sleeping, you might be wondering how to save money on life insurance. Truthfully, how to save on life insurance or how to save money on life insurance comes down to the insurance company.

If you can see the situation from their perspective — claims equal expenses — you can understand how to save. The healthier you are and the number of healthy routines you have can lower your rate because you have a lessened risk of dying, which would trigger a claim.

That said, ready to receive your life insurance quote? Just plug in your ZIP code into our FREE online quote generator to see the best life insurance rates in your area based on your demographic information.

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