Whole Person Wellbeing: How Your Finances, Mental Health, and Physical Health Work Together

Lower money stress supports better sleep, clearer thinking, and healthier habits.
Better mental health leads to more confident financial decisions.
Physical wellbeing boosts energy, resilience, and emotional balance.

When it comes to your health, emotional wellbeing, and financial situation, they are all interconnected. You already know this intuitively, but a growing field of research shows how deep these connections go.

So, when we’re struggling in one area, it spills over into the others. On the flip side, improving one aspect of your life tends to give the others a lift—which means even small changes add up.

That’s the concept of whole person wellbeing. Here’s what you should know about it, along with some small, simple steps you can take to improve wellbeing across the board.

What Is Personal Wellbeing?

What is wellbeing? Simply put, it’s about how healthy, satisfied, and balanced you feel as you go about your life. It’s not limited to your physical health—wellbeing is more than the absence of illness—but includes psychological and financial wellbeing.

Here’s how these areas interact:

Financial stress can elevate anxiety or depression.
In turn, psychological stress contributes to health problems like insomnia and high blood pressure.
Poor physical health makes it harder to work, socialize, and feel secure—and may snowball into more serious health problems.

It’s a vicious cycle. But by making some small changes, you can turn it into a powerful, positive loop that leads to an all‑around healthier you.

How to Improve Your Financial Wellbeing

Money worries are a universal stressor. According to global surveys, about half of adults worldwide are worried about their personal finances.

If you’re among them, here are a few manageable ways to improve your financial situation:

Make a budget. Know what you earn and how you spend it, so you can pinpoint areas where you can do better.
Have debt? Create a plan to reduce it. For example, you might target your highest‑interest credit card balance first.
Simplify your accounts. If you have multiple credit cards, consolidating them will make them easier to manage.
Start an emergency fund. Even small, regular contributions add up.
Talk to a financial counselor. Free or low‑cost services exist in many areas—check them out.

These small steps won’t just help your wallet. They’ll help you feel in control.

How to Improve Your Mental Wellbeing

Mental wellbeing is about how you handle stress, connect with others, and feel about yourself and the world. Globally, more than one billion people live with a mental health condition. If you’re struggling with anxiety or depression, you’re far from alone.

The important thing is to do something about it. For example:

Seek professional help—now. Tackling problems before they become chronic makes them easier to address.
Use your health plan’s mental health benefits. Many plans offer therapy or counseling services.
Protect your digital wellbeing. Heavy online/social media consumption use has been shown to increase stress and interfere with sleep, so limit your screen time.
Build calming habits. Meditate, take short daily walks…whatever quiets that voice in your head.
Spend time with those you care about. Strong social ties foster wellbeing.

In other words, show yourself the same kindness and grace you’d show a loved one. You are worth it!

How to Improve Your Physical Wellbeing

Physical wellbeing is about keeping your body healthy and resilient. Chronic conditions like high blood pressure, diabetes, and obesity are among the key drivers of poor health.

Improving your physical health is a marathon, not a sprint. Here are some real‑life ways to move the needle:

Use your health plan’s preventive benefits. Annual check‑ups and screening tests catch problems early. Vaccines can prevent or limit them.
Move more. Start counting your steps, for example. Even a short walk a few times a week improves heart health (and mood, too).
Make small nutritional changes. Add more veggies to your plate. Cut back on soda. Even small swaps help.
Tackle harmful habits, one step at a time. For example, just reducing alcohol or tobacco consumption is a move in the right direction.
Follow your doctor’s advice—all of it. Don’t pick and choose.

Bottom line: building healthy habits, even small ones, will improve your physical health.

How to Measure Wellbeing

Wellbeing is more than a feeling. There are specific elements that you can track, including:

Stress levels
Sleep quality
Physical activity
Health markers, like blood pressure and A1C
Emotional balance
Social activity
Financial improvements (debt reduction, emergency savings)

Being mindful of these and periodically “taking your temperature” in these areas can help keep you on course—and what’s more motivating than tracking improvements?

How Life & Health Insurance Fit In

When you think about it, life and health insurance are tools that improve financial, mental, and physical wellbeing. Yes, all of them!

Life insurance is part of overall financial planning. It provides financial protection to your loved ones; universal life and whole life policies build cash value over time, which can help you achieve long‑term financial goals. And of course, having life insurance provides peace of mind in knowing the future is protected.
For its part, health insurance increases access to affordable healthcare, including treatment and preventative care. Covering some or most of your medical expenses, makes it easier to get or stay healthy. And, because the link between psychological and physical health is so well understood, many policies offer meaningful mental health benefits, too.

Wrap‑Up: Small Actions, Big Impact

The secret to whole person wellbeing is making steady progress, not perfection. Stick to your budget. Build a walking routine. Getting that annual physical. Each step contributes to a calmer mind, healthier body, and brighter financial future.

It all starts with a single step.

And if one of those steps involves life or health insurance, you can .

This is not an offer or solicitation to sell insurance products. The information above is intended to provide general information and constitutes a summary of the different product benefits. It is not a contract or agreement. The terms of insurance coverages in the plans may vary by jurisdiction. All products are subject to exclusions and other applicable terms and conditions.