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Life Insurance
A photo of runners and Gary Brecka shutterstock.com / Dmitro Pravda (main); instagram.com @garybrecka (bubble)

1 overlooked daily habit is quietly killing your savings and your lifespan, says the biologist who spent years modeling death for insurers

For years, Gary Brecka analyzed customer data for life insurance companies to estimate how long people would live. Now 56, the Miami-based biologist says that work showed him how dangerous it is to sit for most of the day.

Brecka told Business Insider that a person’s daily routine tells him a lot about where their health is headed.

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“I’ll show you where they’ll be in three to five years,” he told the outlet.

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Brecka is now a wellness entrepreneur. He co-founded the Ultimate Longevity Center, a chain that offers hyperbaric sessions, red light beds and IV drips. He also said he’s spent a seven-figure sum on that kind of equipment for his own two homes.

Still, he said cheap, everyday habits do more for your health than any of it. His list is sleep, unprocessed food, exercise and time with other people — and moving is one he never skips. He schedules time for it every day.

According to the Centers for Disease and Control (CDC), only one in four U.S. adults get the cardio and strength training for which federal guidelines call. Falling short shows up in medical bills and in how long people live.

Here’s what the research says — and how to get moving without spending much.

What Brecka saw in the insurance data about sitting

As Brecka described it, his job was to look for patterns in customer records that predicted who would live longer. Inactivity was a big one, and he now goes as far as comparing sitting to smoking.

Brecka’s training is in biology, not medicine. He has a biology degree from Frostburg State University in Maryland and a human biology degree from the National College of Chiropractic. But Frostburg’s alumni profile mentions that critics have questioned his credentials.

Still, the government’s own numbers back him up. The CDC says “physical inactivity contributes to one in 10 premature deaths.”

On the flip side, a 2012 study led by the National Cancer Institute, part of the National Institutes of Health, pooled data on more than 650,000 adults. People who got the minimum recommended amount of exercise in their free time could expect to live 3.4 years longer after age 40. That’s compared with people who got none. The gap held even after the researchers accounted for things like smoking, drinking and weight.

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How much inactivity adds to healthcare costs each year

In a 2015 study, researchers from the CDC and Emory University in Atlanta compared people’s exercise habits with their medical spending. Healthcare spending on inactive adults ran $1,313 a year higher than on active adults, in 2012 dollars. That’s total spending on their care, not just what they paid themselves. It also already accounts for differences in body weight.

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Even some exercise wasn’t enough to close the gap. People who exercised, but for less than 150 minutes a week, had $576 a year more in healthcare spending than active adults. Those totals cover everything from hospital stays and doctor visits to prescriptions and dental work.

Nationwide, the study tied $117 billion a year in healthcare spending to people not getting enough exercise. By the researchers’ definition, being active meant at least 150 minutes a week of moderate exercise. Vigorous exercise counted double.

How to move more without spending much

For starters, borrow Brecka’s habit of putting movement on the calendar like any other meeting. That way, a walk at lunch or after dinner doesn’t get bumped when the day gets busy.

It may also pay to look at your life insurance. Boston-based insurer John Hancock offers a program called Vitality PLUS. It says customers who sign up can save as much as 25% on premiums by tracking healthy habits. In that program, a day with 10,000 to 14,999 steps counts as a standard workout.

John Hancock says those savings add up over the years you keep the policy. How much you get also depends on your age when you buy and how the insurer rates your health. So if you’re shopping for coverage, ask any insurer whether it offers activity-based pricing before you sign. And if you get health insurance through work, check with HR to see whether your plan rewards activity, too.

Even Brecka, who has hyperbaric chambers at his homes, has said that equipment can’t replace the basics. So block out time for a walk tomorrow, before the rest of your day fills up.

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Godwin Oluponmile is a content specialist, SEO strategist and copywriter with seven years of expertise in finance, Web 3.0, B2B SaaS and technology. His work has been featured in publications such as Entrepreneur, HackerNoon, Blocktelegraph and Benzinga.

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