Ageing can be described as the progressive physiological changes in an organism that leads to senescence (the process of growing old).1 It is characterised by a decline in biological functions and a reduced ability to adapt to metabolic stress. The description highlights ageing as a process involving continuous physiological alterations occurring at the cellular and organ levels, resulting in decreased functionality. The process of ageing gradually diminishes an individual’s physical and mental capacities.
While ageing is fundamentally a physiological phenomenon, numerous factors significantly influence the rate at which this process occurs. Certain factors can accelerate the ageing process, while some have the potential to decelerate it, influencing the rate of physiological decline.
Healthy ageing is defined as the process of developing and maintaining the functional ability that enables well-being in older age. Functional ability encompasses the capacities that allow individuals to be and do what they value, which include meeting basic needs, learning, growing, and making decisions, being mobile, building and maintaining relationships and contributing to society.2
Globally, life expectancy is increasing, with a majority of individuals now anticipated to live into their sixties and beyond. This trend is evident across all countries, where both the size and proportion of the elderly population are rising. According to the 2020 American Census, about 1 in 6 people were aged 65 and over. In 1920, this proportion was less than 1 in 20.
An extended lifespan presents opportunities not only for older individuals and their families but also for society as a whole. These additional years can facilitate engagement in new pursuits such as education, career development, and the exploration of life experiences. However, the fulfilment of these opportunities is fundamentally dependent on health.3
This article explores some of the factors which could potentially slow down the ageing process and extend life expectancy.
Blue Zones
Blue Zones are geographic regions with lower rates of chronic disease and longer life expectancies. There are several common elements which contribute to longevity in these regions, and they include the following:
- Nutrition
- Physical activity
- Avoidance of risky substances
- Stress management
- Restorative Sleep
- Social connections
- Purpose in life
- Belonging
- Environmental respect
Blue Zones are often coupled with a higher quality of life. However, this scenario is not universal.4
We will further examine evidence-based insights on how the characteristics of Blue Zones contribute to improved health outcomes and the promotion of a meaningful, well-rounded life.
Exercise
Various forms of exercise are essential, not only for maintaining and promoting health but also for contributing to longevity. Numerous research studies support this assertion. Below, we discuss some of the benefits of exercise.
A self-reported dataset on leisure-time physical activities from approximately 650,000 individuals in Sweden and the US was analysed to assess the impact of physical activity on life expectancy. Brisk walking for up to 75 minutes per week was associated with a 1.8-year increase in life expectancy compared to no activity. Increasing this activity to 150 minutes per week correlated with a gain of 3.4-3.5 years. Active individuals with normal weight had a life expectancy increase of 7.2 years compared to inactive individuals with class II obesity (BMI > 35). However, inactive individuals with normal weight had a 3.1 year shorter life expectancy compared to those with class I obesity (BMI 30-30.9) who were active.
These findings suggest that engaging in physical activity, even below recommended levels, reduces mortality risk compared to no activity. Inactive individuals, especially those with obesity, showed markedly reduced life expectancy, highlighting the potential health benefits of modest physical activity programs, even if there is no weight loss.5
Numerous studies show that specific exercises not only prevent or control disease progression but slow down the ageing processes. For example, resistance training increases muscle strength, metabolic rate, bone density, and reduces body fat, fall risk, and joint pain. It also improves lipid profiles, endothelial function, and overall well-being by stimulating muscle hypertrophy and neuromuscular control.6
Regular exercise also improves cognitive abilities and reduces the risk of Alzheimer’s disease and mild cognitive impairments. It also enhances mental health by improving self-esteem, sleep, mood, and reducing symptoms of depression and anxiety.7
Yoga
Harvard University states that yoga began, not as a form of physical exercise, but as a practice to achieve spiritual enlightenment and mental discipline.8 Yoga is an ancient practice with roots spanning millennia and has gained widespread popularity in modern times due to its holistic approach, integrating mind and body. It encompasses breathing exercises, physical postures, meditation, and other techniques aimed at promoting both physical and mental well-being. Historically, yoga has been valued not only for its physical health benefits but also for its positive impact on mental health. Recent research supports the significant effects of yoga on both the mind and body, suggesting that it may positively influence cellular and molecular processes that are hallmarks of ageing.
For the cardiovascular system, yoga is effective for lowering blood pressure in middle-aged and older adults, with or without hypertension. It is also effective in metabolic profiles, for example haemoglobin HBA1C, improvements in lipids and body composition.
General physical conditioning through yoga poses can help strengthen respiratory muscles and improve thoracic alignment, thereby promoting optimal breathing mechanics. Specifically, yogic breathing exercises enhance the strength of respiratory muscles and encourage efficient diaphragm use.
The combination of mindful yoga movements and meditation may provide cognitive benefits that surpass those of traditional physical exercise. Due to its multimodal approach and ability to address multiple geriatric syndromes simultaneously, yoga is considered an appealing non-pharmacologic intervention. It is popular, feasible, adaptable, and generally safe, especially when practiced under initial supervision.9
Diet
A study conducted in the United Kingdom examined the impact of diet on longevity. The study used a model to estimate life expectancy gains from a sustained change from median or unhealthy dietary patterns in the UK to the longevity-associated dietary pattern, or to the recommendations of the Eatwell Guide. The findings revealed adults aged 40 with median dietary patterns could expect an increase in life expectancy of approximately three years through sustained adherence to longevity-associated diets. Notably, individuals transitioning from the least healthy to longevity-associated dietary patterns could expect an approximate decade-long increase in life expectancy. In general, the more substantial the changes toward a healthier dietary pattern, the greater the expected gains in life expectancy.10
Sleep
Sleep is one of the pillars towards healthy life. According to the American College of Cardiology, getting good sleep can play a role in supporting heart and overall health and ultimately maybe even how long an individual lives. New research presented at the American College of Cardiology’s Annual Scientific Session together with the World Congress of Cardiology found that young people who have more beneficial sleep habits are incrementally less likely to die early. Moreover, the data suggest that about 8% of deaths from any cause could be attributed to poor sleep patterns.
Social relationships
Humans are inherently social beings, with a long evolutionary history of forming groups for hunting, protection, and social bonding. Despite substantial evolutionary advancements, social connectedness remains a critical factor for well-being. Experimental evidence shows that social relationships significantly influence mental health, morbidity, and mortality. For instance, Berkman and Breslow’s prospective study in Alameda County demonstrated that greater involvement with both formal (e.g., religious organisations) and informal (e.g., friends and relatives) social networks was associated with healthier behaviours over a ten-year period. Social connections impact health behaviours by influencing or regulating health-related habits. These ties can foster a sense of responsibility and concern for others, motivating individuals to engage in behaviours that promote the well-being of both themselves and others. Social networks also provide information and establish behavioural norms, further shaping health habits. Thus, in a variety of ways, social ties may influence health habits that in turn affect physical health and mortality.11
Pet Ownership
Owning and caring for a pet has a positive impact on longevity. Some of the key factors contributing to this are noted below:
- Pet owners, especially dog owners, are more likely to meet recommended activity levels. One study found that new dog owners increased their walking hours after 12 months, with an average of one extra hour per week. Dog owners have a 34% higher chance of achieving at least 150 minutes of walking per week and a 69% higher chance of engaging in leisure-time physical activity compared to non-owners. Obesity risk is lower among dog owners.
- Pet ownership can aid recovery from cardiovascular events and increase resilience to such events. A study of 2,400 cat owners found a significantly lower risk of death from cardiovascular disease, including stroke and heart attack over 20 years, compared to non-owners. This is thought to be related to the buffering effect on stress that cats offer.
- Human-animal interaction triggers the release of hormones like dopamine and oxytocin, promoting relaxation and bonding. This increased relaxation helps protect against stress-related illnesses.
- Pet owners are more socially connected. A study of nearly 400 Australian suburban residents found that pet ownership was associated with increased social contact, interaction, and perceptions of neighbourhood friendliness compared to non-owners.12
Conclusion
Compared to previous decades, the healthcare system today is significantly more advanced, characterised by systematic and efficient approaches. However, much of this care tends to focus on individual systems in isolation. As individuals age, multiple systems are affected, often in an interconnected manner. Given the ageing population and its growing size, there is a need to shift focus toward preventive measures and adopt a more holistic approach to healthcare. Current evidence-based interventions emphasise multicomponent physical activity programs, nutritional supplementation, health behaviour education, and modifications to the home environment to address the complex needs of the ageing population.
Here we have given examples which are very basic requirements and are essential towards healthy ageing. There are numerous other factors which influence longevity, such as engaging in hobbies, going on vacations, minimising gadget use, staying connected with nature, listening to or learning music, or simply taking time out for selfcare. Each of these elements positively impacts overall health. Adopting healthier habits, whether it’s exercising, dietary changes or being mindful, not only increases longevity, but also enhances the quality of later life.
From a life settlement underwriting perspective, information regarding lifestyle habits such as cigarette smoking and alcohol consumption is generally readily accessible, whereas other relevant details may be less forthcoming. Given this, it is crucial to be on the lookout for any information that may provide insights into the insured’s overall approach to health and well-being. For example, there may be mention of recent or planned vacations or dietary preferences. Similarly, a medical report may include details of the insured’s pets or exercise regime, or if they are socially active. A medical report may also give us clues as to the insured’s sleeping pattern and mental health status. These small details not only provide insights into the individual’s current health status, but also reveal their overall approach to life and well-being.
As discussed, life expectancy can be extended through specific lifestyle choices, underscoring the importance of gathering as much comprehensive information as possible during the underwriting process. This information will help form a holistic view of the insured, which in turn will assist the underwriter in calculating the most realistic and accurate life expectancy prediction.
Dr. Jyotsna Kamble is Medical Underwriter at CG Analysts
Footnotes
- Ageing | Definition, Process, & Effects | Britannica
- Ageing as “Time-Related Dysfunction”: A Perspective – PMC (nih.gov)
- Ageing and health (who.int)
- Diet and longevity in the Blue Zones: A set-and-forget issue? – PubMed (nih.gov)
- Leisure Time Physical Activity of Moderate to Vigorous Intensity and Mortality: A Large Pooled Cohort Analysis – PMC (nih.gov)
- Musculoskeletal exercise: Its role in promoting health and longevity – ScienceDirect
- Physical Activity: A Viable Way to Reduce the Risks of Mild Cognitive Impairment, Alzheimer’s Disease, and Vascular Dementia in Older Adults – PMC (nih.gov)
- Yoga for Exercise – The Nutrition Source (harvard.edu)
- The impact of yoga on ageing physiology: A review – ScienceDirect
- Life expectancy can increase by up to 10 years following sustained shifts towards healthier diets in the United Kingdom – PMC (nih.gov)
- Social Relationships and Health: A Flashpoint for Health Policy – PMC (nih.gov)
- The Relationship Between Pet Ownership and Longevity | HABRI
Please note that this is a condensed version of the full article, which is available on CG Analysts website and LinkedIn.
Any views expressed in this article are those of the author(s) and may not necessarily represent those of Life Risk News or its publisher, the European Life Settlement Association