I signed up for the monthly pass for Weight Watchers ($39.95) the middle of July. At first I thought it was really silly to pay someone to weigh me each week, but I have to say that it is really working. So far I have lost 20 pounds. I enjoy the meetings and am meeting new friends. I find encouragement and support at the meetings. Knowing that someone is going to weigh me in each Monday night keeps me honest with counting points.
The main thing I like about Weight Watchers is that they have a maintenance program. You gradually add in points until you find the amount you can have each day that maintains your weight.
As soon as I get within a healthy weight range for me I'm going to apply for a term life insurance policy.