You can get car insurance discounts by being a safe driver and health insurance premium discounts by participating in wellness programs at work.

Monitoring customers' ongoing behavior and rewarding them for safe or healthy habits after a policy is issued is a big trend in the insurance industry.

One company is using the approach for life insurance. Through its optional Wellness for Life rider on universal and indexed universal life products, Aviva offers customers a chance to earn premium discounts or increase the cash accumulation on their policies by adopting healthy habits.

Here's how the rider works:

You pay a one-time $100 fee. To qualify for discounts or extra money to go toward cash value, you have to do the following:

  • Maintain your weight in a predetermined range
  • Visit the doctor at least every other year

If you gain weight out of the range, you can still get half the discount just by going to the doctor.

The program isn't just for health nuts and athletes. The weight range is based on your height, age and how much you weigh now, and it's surprisingly wide. You can be overweight and still qualify, as long as you don't put on a lot more weight.

For example, a 6-foot, 40-year-old man who weighs 250 pounds would save by staying between 140 and 265 pounds.

Even if you don't qualify for the rewards, you can take advantage of health and wellness resources from the Mayo Clinic. These include a toll-free, 24-hour nurse hotline, an online health assessment, and a personalized health and wellness website that lets you track progress.

Aviva doesn't see any of the health information you submit through the Mayo Clinic resources or from your doctor visits after you're issued a policy. The only information the life insurance company gets is your certified weight from a doctor every other year.

Aviva says the discount can pay for itself in a few years. You can use it to increase how much money goes toward cash value in the policy or to lower your premium.

The company cannot add the rider to current policies, but Aviva is considering expanding to other types of new life insurance policies (besides its universal life and indexed universal life products).