Being fit is your best insurance for a quality life!
One of my favorite sayings is, I would rather receive a great value than a cheap price. What this means to me, is sometimes when you have to put a lot of effort to achieve something it is worth the sweat. So, if your investing a lot of time into exercise and a supporting diet, then the payoff is a higher quality of life.
Thus, hard work in the gym is the premium (i.e. paying for insurance) for a fit body and a quality life is the payoff (claim)!