One popular misconception about no exam life insurance is that it doesn’t matter how healthy (or unhealthy) you are, you will get the same rates either way. While this is true for Guaranteed Issue no exam life insurance, it’s not true for Simplified Issue no exam policies. For Simplified Issue, the healthier you are when you apply, the lower your rates are likely to be.

One big aspect of overall health is getting enough sleep. In fact, according to, sleep is one of 5 things that contributes to a higher quality of life. Today, it is widely accepted in the medical community that getting enough sleep consistently can lead to numerous health benefits. These benefits include:

  • Boosted mood
  • Decrease in stress
  • Improved memory
  • Reduced risk of certain cancers
  • Strengthened immune system
  • Weight maintenance
  • Lower blood pressure

When you apply for Simplified Issue, a type of term no exam insurance, your health is taken into account. This means that when you get the recommended 7-9 hours of sleep a night, you can enjoy all the health benefits, which in turn, can help you qualify for lower life insurance rates. (Check out Sproutt for free quotes on no exam policies.)

With all the benefits a good night’s sleep can afford, how is it possible that millions of Americans don’t get enough sleep every night? Putting sleep disorders aside, one of the main reasons why people don’t get enough sleep is due to poor sleep habits.

5 Good Habits For Better Sleeping

Even though many people don’t get enough sleep, the good news is that you can. In fact, if you adopt the right sleep habits, you can be well on your way to getting a good amount of shuteye every night. Here are 5 good habits that can lead to better sleeping.

Set a Sleep Schedule

If you go to sleep and get up at the same hour every night/morning, you have a better chance of falling asleep easily and sleeping peacefully. This habit demands discipline, since it’s not always easy to close your phone or put down your book so you can go to bed. However, if you can manage to stick to your schedule, the results can be worthwhile. Not only will you get all the health benefits of a good night’s sleep, but those health benefits will make it easy to qualify for low rates on no exam life insurance.

Cut Down on Caffeine

Sleep experts say that people who want to get a good night’s sleep should stop drinking caffeine 4-6 hours before they go to bed. This includes caffeinated coffee, tea, and soda. The reason for this is that caffeine can stay in your body for about 6 hours, which means that it can make you feel awake even when you should be getting to sleep. Avoid caffeine in the afternoon hours, and avoid the trap of going to bed late.

Exercise Daily

Exercising daily, especially in the morning, can improve sleep quality and quantity. It does so by raising your body temperature a few degrees. Then, when you cool off in the evening, your body feels tired. Exercise can also improve your mood, which can also lead to improved sleep. And as you might expect, people who exercise regularly can qualify for lower life insurance premiums.

Limit Screen Time

While caffeine keeps you awake through stimulation of the central nervous system, the blue light emitted from cell phones, televisions, and computers keeps you awake by suppressing the production of melatonin, the sleep hormone. This is why it is advisable to stay away from devices that emit blue light for 30-60 minutes before you go to bed. Additionally, scrolling through social media feeds can stimulate you psychologically, which can make falling asleep harder.

Set the Thermostat Just Right

If your room is too hot or too cold, it can negatively affect your sleep. The optimal temperature for sleep is between 60 and 67°F. So before you get into bed, check your thermostat to make sure that your room is conducive to sound sleep. Being able to sink into a deep slumber and not sleep fitfully can help you in your quest to achieve comprehensive health and the low life insurance rates that come with it.

Sleep Right, Get Lower Rates on No Exam Life Insurance

When you are able to get a good night’s sleep on a consistent basis, you can benefit from all of the health benefits that come from it. You can also benefit from getting lower rates on term no exam life insurance, so you can save money and feel great.