An insurance program that provides improved health care and longevity by emphasizing health improvement and maintenance. After a predetermined waiting period from the time insurance is purchased, during which the health status of the insured is maintained or improved, the insured may link the insurance policy with one or more other types of insurance policies, such as; health life, disability, nursing home, etc. Throughout the life of the policy, portions of the premiums may be credited to the insured, provided that the health of the insured is maintained or improved, which may be utilized to pay or help pay for the linked insurance coverage and may also be utilized for retirement benefits.