Why Fitness May Be the Best Investment You Make This Year

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More than simply something you do with money, an investment is simply an allocation of resources with the hope of turning a profit. This definition is general, but it’s a helpful way of thinking about decision making, one which tends to help people pick courses of action which end up benefitting them in the long run.

Knowing how to allocate monetary resources is an important step in becoming financially secure. But it’s not the only way to get there. Not everybody invests in the traditional sense (stocks, real estate, etc.). And even among the people who do, you don’t often see the kind of returns that let people be financially secure for life. For people who want to be independent, especially as they get older, they have to make other choices.

This is where fitness comes in. Being fit can possibly add years to your life, but it can drvamatically increase the quality and enjoyment of those years. Rather than dealing with the aches and pains of an aging, unfit body, people who exercise can enjoy a lot better health as they get older. This translates into an enjoyment of life that many people are trying to achieve through financial means. Money can’t buy health, but health has a huge impact on happiness without any money spent at all.

Fitness also reduces health care expenses. Most adults find themselves needing more medication and hospital time as they age. By being physically strong, people experience higher immunity levels and total systemic benefits. It simply costs less to keep a healthy person in tip top condition. And it’s a state of being that translates into savings not just at the doctor’s office.

Through programs like John Hancock’s Vitality life insurance plan, people can start saving a lot of money on their insurance. Polled individuals say that life insurance makes a big difference for them and their families. 88% report feeling that having life insurance makes them feel more confident about their family’s future. 65% say that having life insurance lowers their stress levels. And 87% of John Hancock poll respondents believe that the insured should be rewarded for being more healthy.

This is the essence of the Vitality program. By using wearable fitness technology, John Hancock life insurance customers can have their healthy behaviors (like walking, running, getting a flu shot) tracked. Because fit customers live longer, healthier lives, this is a situation that benefits insurance companies, and industry leaders like John Hancock are starting to return some of the savings to the customer, to further incentivize this change. It’s a win-win situation that could change this and other related industries, giving people a concrete motivation to invest effort in their health.

So if you want life insurance, consider the life insurance which will help pay you back as you improve your life. Most people don’t live to see the benefit of their life insurance. For many decades, this was unavoidable. But by incentivizing behaviors that benefit both sides of the life insurance exchange, John Hancock is changing the game, and helping a whole generation of older adults invest in happier, healthier lives.

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