We will allocate a LifeReturns® discount percentage based on the fitness level achieved.
Level 3 or higher is required to qualify for a LifeReturns® physical fitness discount as shown in the below table:
| Physical fitness level | Description | LifeReturns® discount percentage |
| Level 1 | Poor | 0% |
| Level 2 | Fair | 0% |
| Level 3 | Good | 5% |
| Level 4 | Very good | 10% |
| Level 5 | Excellent | 15% |
Please check the VO2 max table to see the mapping of the VO2 max and physical fitness levels.