Rock n Roll and Life Insurance

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What in the world does Rock n Roll have to do with Life Insurance?

Everything of course.

For many Gen Xers like me (people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), rock n roll was the escape from the boredom and mind-numbing routine of our daily lives during our adolescence. Our youth schedule looked something akin to the following: up at seven a.m. at the latest, off to school by seven thirty a.m. at the latest, class from eight to noon, then lunch, then more class until three, then sports until six, then come home, scarf down dinner, and homework, only to repeat the cycle the very next day—every Monday through Friday—ad infinitum.

Now that we’re adults, we repeat the same daily ritual with work, family, and kids—it’s just that we’re more used to it now. The straight arrow path has become us. But we need that straight arrow path to wobble a bit sometime—we need a healthy release—we need rock n roll, even for you naysayers reading this article, shaking your heads.

In this article, I will give you a brief overview of what rock n roll is, my favorite rockers of the Gen X generation, and I will make the argument that rock n roll reduces life insurance rates, whether you agree with me or not.

If you believe in rock n roll and if you think that music can save your mortal soul then proceed to getting life insurance quotes here. You rock!

What is Rock n Roll?

As defined by Wikipedia here, “Rock and roll (often written as rock & roll or rock ‘n’ roll) is a genre of popular music that originated and evolved in the United States during the late 1940s and early 1950s from African American musical styles such as gospel, jump blues, jazz, boogie boogie, and rhythm and blues, along with country music. While elements of what was to become rock and roll can be heard in blues records from the 1920s and in country records of the 1930s, the genre did not acquire its name until 1954.” Sound like a bland definition of rock n roll devoid of heart? Maybe, but it also fits the bill of how rock n roll originated as a new musical art form brought to life from a combination of previous and separate musical genres.

Some of the pioneers or fathers of Rock & Roll include the following musicians: Chuck Berry, Elvis, Buddy Holly, Little Richard, Bill Haley, Jerry Lee Lewis, Roy Orbison, Bo Diddley, Robert Johnson, and Johnny Cash (credits here).

Who is my favorite Rock Band of the Gen X generation?

One of the most difficult questions I’ve ever felt the burden to answer. For me, being a Gen Xer in my late 30’s, the following Rockers come to mind:

  • Nine Inch Nails
  • Rage Against the Machine
  • Sublime
  • Pearl Jam
  • Metallica
  • Guns n Roses
  • Green Day

As you can tell, this list is composed of rock n rollers that started gaining prominence in the late 80’s and early 90’s when I was becoming a teenager. I was starting to to get “it” and starting to understand what “rock n roll was all about.” However, my favorite rock n roll band as a Gen Xer is:

  • Nirvana

I know it’s cliche, and I know that Nirvana is classified as alternative rock or grunge, and I don’t care. Nirvana rocks. For all of you reading this living on the other side of Mars, I’m not going to summarize Nirvana. I just want you to take a watch of Nirvana’s music video for “Smells like Teen Spirit” here. This music video was on MTV back in the day when MTV played music. Hopefully, this video will inspire you to seek out further Nirvana musical carnage elsewhere.

Back to the point: how does Rock n Roll reduce life insurance rates?

Rock n Roll reduces life insurance rates because of:

  • SEX—as well all know, rock n roll and sex are two peas in a pod. Rock n roll begets sex and sex, conversely, begets rock n roll. According to this source, the benefits of sex are the following: “improved immunity, heart health, lower blood pressure, it’s a form of exercise, pain relief, may help reduce risk of prostate cancer, improve sleep, stress relief, and improved bladder control in women.” All of these will improve your overall health and reduce your life insurance rates.
  • DRUGS—yeah, I can’t make that argument. I thought about it for a bit, but I can’t make that argument.
  • ROCK N ROLL CATHARTIC CONCERTS—if you have ever been to a rock n roll concert where you have really gotten into the music—where you’ve danced, sang, and sweated your butt off—then you’re not alone. It’s a work-out; it’s a release; and it reduces anxiety significantly. A reduction in anxiety will boost your overall health and reduce your life insurance rates. Unfortunately, the buzzing in your ears immediately after a great is a sign of hearing loss and a badge of head-banging honor.

All in all, rock n roll reduces life insurance rates because of sex, drugs, and concerts—no, it doesn’t. In fact, there is no direct causation or correlation that rock n roll has anything to do with life insurance. This is a silly article. Or is it?

I’ll let you decide. 🙂

If you think other Gen X rock n roll bands should be on the list above, please comment below. My list is certainly not exhaustive. There’s not even a band headlined by a woman on the list.

If you are a Rocker (or maybe even a Roller) and would like quotes for term life insurance for your family, you can generate your own life insurance quotes from 20 A-rated companies at the life insurance quoter here. Moreover, if you would like to discuss your life insurance needs with me directly, email me at, contact me here, or message me through linkedin.


Until next time and until next life insurance article,


Robert Weigel

Life Insurance Agent for Generation X