Is Vitality recommended? Or should I quit?

I've been interested in Sumitomo Life Vitality for a while... But I've heard the premiums are high... So I'm hesitating whether to start or not... Also, I'm the type who finds exercise a hassle, so I probably won't be a good fit 😭 I remember reading somewhere that it's for people with exercise habits, and I thought, 'Oh, that's not me...' Please vote or share your opinions!