Ask a Nurse
Cigna is one of many health insurers that offers you a chance to call a nurse to discuss any medical questions you may have.

Discounted Gym Memberships
Many health insurers also have programs to encourage you to be healthy, including reimbursing you for your gym membership.
Help on Quitting Smoking
Many insurers offer programs that include reimbursements for programs that will help you quit your nicotine habit.

Loans
Some life insurance policies allow policyholders to take out a loan against the policy. You’d likely have to pay interest on the loan, and if you died, the net death benefits would be less the amount your borrowed, plus interest.

Free Car Seats For Newborns
Some health insurers will give you a free or discounted car seat for your baby if you participate in the recommended prenatal care.