It's for people of all shapes and sizes
Whether you're an athlete or a couch potato or somewhere between, Wellness for Life is tailored to you, regardless of your current weight. It helps you monitor your health and rewards you for taking care of yourself. All so you can get the most out of life.
Easier than you think
Wellness for Life is a rider on a new policy that gives you a discount on your insurance costs if you visit the doctor at least every other year. You save even more if you maintain your weight within a range determined when you buy the policy. It's that simple.
How it Works
Save on your insurance costs
It's a reward for something you're probably already doing—monitoring your health and maintaining your weight. So saving money while you're taking care of your body could be considered a no-brainer.
Wellness Range Finder
Access to Mayo Clinic
Rely on Mayo Clinic resources for help living a healthy lifestyle. Tools include the confidential Mayo Clinic Health Assessment, Mayo Clinic EmbodyHealth health and wellness website and Ask Mayo Clinic 24-hour nurse line.
Mayo Clinic Resources
Easier than you think
Safe drivers save on car insurance, now take care of yourself and save on life insurance!
How it Works
See Wellness for Life brochure for details and limitations.
*Wellness for Life can help you reduce Cost of Insurance charges on your Aviva life insurance policy. Rider form number 2WFLAJ07-2. Availability varies by state.
Get a physical every 2 years & save money
Maintain your weight & save even more
Access to a suite of Mayo Clinic tools for your health
Your health and your wealth
There are two benefits to Wellness for Life. First, it saves you money in the form of a discount on the cost of your insurance. Second, it helps you live a healthy lifestyle with services from Mayo Clinic.
You're qualified
Wellness for Life is a rider available on most new life insurance policies, regardless of your current health or weight. It's available for a onetime fee of $100. Depending on your policy, Wellness for Life may pay for itself after a few years.
Your Rewards
You can save on your insurance costs every year with two levels of rewards:
1. You will receive your first reward by simply having a physical, by your doctor, every two years.
2. You will save even more when you have your physical and maintain your weight within a range determined at policy issue.
That's it. To see your personal weight range, use the Wellness Range Finder.
Your health
Once you're enrolled in Wellness for Life, you can use Mayo Clinic EmbodyHealth Web site as a resource for assessing, tracking and improving your health. It can help you stay within your weight range and maintain your rewards.
Mayo Clinic Resources
Questions and answers
Q: I'm overweight. Is Wellness for Life for me?
A: Yes. In fact, if you anticipate your premiums might be higher because of your weight, your rewards could be greater, because your savings are a percentage of your life insurance costs.
Q: What happens if I gain weight outside of my permitted range?
A: Even if you gain weight outside of your permitted range, you'll save half the percentage you would have if you stayed within your weight range.
Q: Will Aviva have access to my health records?
A: No. Aviva will not have access to any personal information gathered as a result of the Mayo Clinic Health Assessment. The only information we ask for is your doctor certified weight (at least every two years) to determine your qualification for level two rewards.
Q: Is Wellness for Life available to current life insurance policyholders?
A: No. Wellness for Life is only available on select new life policies. It's unlawful to re-assess or re-underwrite a policyholder, so we cannot add it to current policies.
Q: Will my premiums go up or down as my health changes?
A: No. Aviva will not be re-evaluating your health risk or re-underwriting your policy. Nor is it lawful to do so. These benefits are meant to be used only by you for assessing and tracking your health.
Q: When will my benefits be available?
A: The Mayo Clinic EmbodyHealth Web site is available as soon as you receive your log-in information, a few weeks after your policy takes effect. If you meet the criteria outlined in "Your Rewards," in the second year of your policy, your cost reductions will take effect in the third year.
Q: What happens if I stop going to the doctor and reporting my weight?
A: You'll lose the Rewards for that time period, but you retain the Mayo Clinic services, and you can always restart your Rewards at any time by sending in your Wellness qualification form.
See Wellness for Life brochure for details and limitations.
*Wellness for Life can help you reduce Cost of Insurance charges on your Aviva life insurance policy. Rider form number 2WFLAJ07-2. Availability varies by state.
**It is anticipated that Wellness for Life services will be provided by Mayo Clinic Health Solutions for the life of the program. But since your life insurance policy may remain in force for many years, it is possible that the provider and/or menu of wellness services may change or be enhanced at some future date.
24-Hour Nurse Line
If you have a health-related question, the answer is just a toll-free call away. Staffed by experienced registered nurses, they draw on all the the resources of Mayo Clinic.
Health Assessment
You can take the Mayo Clinic Health Assessment, a confidential online questionnaire. It can identify potential risks and give you an action plan to improve your health.
EmbodyHealth Newsletter
Every three months, you'll receive the Mayo Clinic EmbodyHealth Newsletter with important information on wellness and healthy living.
Special Offers from Mayo Clinic
Wellness for Life participants are eligible for discounts on other Mayo Clinic wellness resources and programs.
Personal Wellness Web Page
Mayo Clinic EmbodyHealth will provide you with a customizable private home page. It has a personalized wellness tracking calendar and information related to healthy living.
Questions and answers
Q: Will my Mayo Clinic Health Assessment affect my life insurance premiums or policy?
A: No. This assessment is a benefit of the Wellness for Life rider on your insurance policy and is meant to be used only by you for assessing and tracking your health. Aviva will not have access to any personally identifiable information. A health risk assessment will have already been done as a part of the underwriting process for your policy. Aviva will not be re-evaluating your health risk at any other point during the life of your policy.
See Wellness for Life brochure for details and limitations.
*Wellness for Life can help you reduce Cost of Insurance charges on your Aviva life insurance policy. Rider form number 2WFLAJ07-2. Availability varies by state.
**It is anticipated that Wellness for Life services will be provided by Mayo Clinic Health Solutions for the life of the program. But since your life insurance policy may remain in force for many years, it is possible that the provider and/or menu of wellness services may change or be enhanced at some future date.
See your wellness range
Qualifying for Wellness for Life and earning your reward is easier that you think. That's because it's tailored to you and your current weight, regardless of whether you're more of an athlete or a couch potato. For a look at your personal weight range, just answer four simple questions in the calculator below.
See Wellness for Life brochure for details and limitations.
*Wellness for Life can help you reduce Cost of Insurance charges on your Aviva life insurance policy. Rider form number 2WFLAJ07-2. Availability varies by state.
**It is anticipated that Wellness for Life services will be provided by Mayo Clinic Health Solutions for the life of the program. But since your life insurance policy may remain in force for many years, it is possible that the provider and/or menu of wellness services may change or be enhanced at some future date.
