04 Dec 2024

How to manage stress

The modern world often moves at a million miles-per-hour, and if you’re experiencing stress symptoms – you’re definitely not alone. According to Mental Health UK’s Burnout Report 2024 – with data from YouGov – 91% of adults in Britain say they’ve experienced high or extreme levels of pressure or stress in the past year.

But what is stress, how does it affect the body, and does stress affect your life insurance in any way? We’ll explore all that and more in this guide.

Image of a woman looking stressed

You might also be interested in...

Stress is the way your body reacts to a challenging situation, such as feeling pressured or threatened. Some people might refer to this as ‘burnout’. We can all feel stressed at different times in our lives, so knowing how to manage stress can help you ride out these difficult moments.

Everyone experiences stress differently, and stress symptoms can manifest in any number of ways. Here are 10 signs of stress that you may want to look out for:

  1. You feel overwhelmed
  2. You're irritable around others
  3. You're often worried and anxious
  4. Your confidence has deteriorated
  5. You struggle to focus on one task
  6. You feel fatigued
  7. You're struggling to sleep
  8. You're eating, drinking or smoking more than usual
  9. You're avoiding others
  10. You're experiencing headaches

There is no straightforward answer that can explain why you may be feeling stressed, but here are some possible reasons why.

  • Money worries, from repaying debt to keeping up with the cost of living.
  • Health problems that cause anxiety or affect your quality of life.
  • Work-related stress.
  • Loneliness and isolation from other people.
  • Relationship struggles with either family, friends or partners.
  • Major life events like a bereavement, changes in our personal lives, having a baby or moving home.

We know that regular physical activity can reduce your risk of illnesses like colon cancer, heart disease and strokes, so keeping fit is an important tool in your stress management armoury.

Image showing top 10 symptoms of stress

 

Does stress affect life insurance?

Stress does not directly affect your life insurance policy. However, some of the consequences of stress, such as high blood pressure or deteriorating mental health, could mean you pay higher premiums when you apply. That’s because insurers take your health into account when they work out the cost of protection.

Many people successfully apply for life insurance with stress, but it’s important to disclose information about your health truthfully when you make an application. If you provide false information, any life insurance payout could be reduced or invalidated.

Why does high blood pressure affect life insurance? 

Chronic and severe stress can lead to high blood pressure, which over the long-term, can increase your risk of developing heart disease and other illnesses.

The cost of life insurance takes account of your age and health. If you’re more likely to die compared to someone who is the same age but in better health, it will cost you more. So accordingly, stress-related symptoms like high blood pressure can affect the cost of your life insurance when you apply.

Fortunately, while stress can cause an increase in blood pressure, this can return to normal levels once the stress has subsided.

Does stress affect an existing life insurance policy? 

If you experience stress later down the line, this alone will not affect your life insurance policy.

Learning how to manage your stress could alleviate tension and leave you feeling happier and healthier. Below are some pointers on ways to manage stress.

  • Stay active. Regular exercise can release endorphins which enhance your mood and boost your self-esteem. It can also cut your risk of developing an illness like type 2 diabetes by 50%, according to the NHS.
  • Express your feelings. If life is getting on top of you, talking to someone could be a helpful way of letting off steam.
  • Create a to-do list. If life seems overwhelming, splitting up tasks into small chunks may make big events and worries feel more manageable. Planning ahead and keeping a diary of major dates may also be beneficial.
  • Reduce any unhealthy habits. While unhealthy activities like smoking, or excessive drinking, may feel like a respite from stress, any subsequent health problems could make life more challenging in the long run.
  • Embrace mindfulness. Many people practice mindfulness, which the NHS describes as “paying more attention to the present moment”. Mindfulness techniques such as meditation, sitting silently, or engaging in activity such as yoga, have many advocates as a way of reducing stress.
  • Positive thinking. When we’re feeling stressed, it can be easy to focus on the lows. But even at a difficult time, it can be beneficial to reflect on things that have gone well in any given day, whether it’s a friendly conversation with a neighbour, or receiving good news about a family member.
  • Help others. Getting involved in the community – for example, by volunteering – could raise your spirits and reduce your stress levels. Helping those who are less fortunate could help put your own challenges into perspective.
  • Take a break. A busy work life can get on top of anyone, so it’s important that you reward yourself with a little ‘me time’. If you’re able to take time off for a holiday, or a bit of socialising, your stress levels may be alleviated.

Want to learn more about Life Insurance?

Rebecca Brace

Rebecca Brace

Insurance Content Specialist, Legal & General Retail, Insurance

Rebecca’s a digital content manager, focusing on protection. She makes sure that our customers can find all the content they need at every stage of their insurance journeys, either on our website or via a search engine. She also helps develop the content itself, working with other internal teams to ensure that it’s both accurate and complies with all relevant regulations.

More about Rebecca

Related articles

life cover - images - life according to - article header - 730x411

Are the pressures of life changing?

To what extent are the choices we make in life influenced or even pushed by external pressures? We asked the general public to find out. And this is what we discovered…
life cover - resources - img - date night babysittter - romantic dinner - 730x411

How to find a babysitter and never miss another date night

If you’re a couple seeking help with looking after your little monsters, where do you go? Read our tips on finding a babysitter
life cover - resources - img - Sleep tips for parents - father and son in hammock - 730x411

Parenting Tips To Help Your Baby Sleep

We have teamed up with some parent bloggers who share their own experiences of being a parent.
how-to-work-from-home-with-kids

Working from home with kids

Working from home has its challenges, particularly for parents who work. As we shift to remote working, we explore tips for working from home with kids.
life cover - resources - img - micro dating - couple kissing - 730x411

What is micro-dating?

Our recent survey* revealed 67% of parent couples agreed that date nights were really important for their relationship. But how do you find the time?