What does DNA’s Life Expectancy Gene have to do with Life Insurance?

Life Insurance

April happens to be National Stress Awareness month. While I was researching stress and the connection it has with life insurance rates, I came across an interesting piece published by Fox News titled “Reduce Stress, Extend Your Life, Thanks to DNA’s ‘Life Expectancy Gene’”. It was fascinating. We all know that stress can do a number on our bodies, ultimately speeding up the aging process and presenting us with a host of health issues along the way. Scientifically speaking, when we experience high levels of stress we are inhibiting our cell life spans. That’s because stress can shorten the tiny units of DNA produced by the telomerase enzyme that is used to seal off our chromosomes, which contain our body’s genes.

These tiny DNA units are called telomeres. They play a major role in normal cell function. These DNA units work to protect the quality of our genes and help determine how often a cell divides which impacts a cell’s lifespan. Here comes the interesting part. It is thought that if we reduce stress we can actually lengthen telomere, which in turn means we prolong cell life and even treat age-related diseases like heart problems and neurological disorders. If we can do that, then we should expect to live a longer healthier life. An outcome that may help us qualify for a better life insurance rate. So how do we do that? The answer lies in who we are, what we like to do or admittedly will do knowing what the potential might be. Exercise, yoga, meditation are examples of ways to reduce stress. You have to decide on a plan that works best for you and then take the plunge and get started on making that happen.

We, here at Pivot.com, talk with people all day long about this and many other factors that go into deciding which insurance carrier, what life insurance amount and what premium makes the most sense for you.

About the author:  Michele Cleary has been in the business for over 35 years and holds a CLTC designation. She believes that life insurance can give you and your family peace of mind, especially when you have other things to worry about. Michele now has 4 grown children and knows that proper planning is essential. You can reach her at 1-800-651-1953 or MCleary@Pivot.com.