Healthy Living Discount
You could pay no product charge at all on your investment – it’s as simple as investing in Vitality funds and tracking your daily stepsSaving for your future isn’t just about saving money, it’s about making sure your health is there to enjoy your savings. So as well as helping you take care of your wealth, we help you take care of your health - and reward you for it.
What is the Healthy Living Discount?
How does the Healthy Living Discount work?
Step 1: Invest with us
Open a VitalityInvest plan. You'll automatically have access to the Vitality Programme which gives you discounts from well-known brands like Expedia and Caffè Nero.
Step 2: Get active
Maintain healthy habits by doing things like tracking your activity and having a health check. These earn you Vitality points which help you build a Vitality status - Bronze, Silver, Gold or Platinum.
Step 3: Save on product charges
The higher your Vitality status, the bigger the rewards and the more you save on product charges. Achieve Platinum status and invest in Vitality funds, and you’ll pay £0 product charge.
See how your product charge would reduce if you track your healthy habits:
|Bronze Vitality Status||Silver Vitality Status||Gold Vitality Status||Platinum Vitality Status|
|Tiered product charges by investment value||Invested in Vitality or third party funds||Invested in Vitality or third party funds||Invested in Vitality or third party funds||Invested in third party funds||Invested in Vitality funds|
|Up to £75,000||0.45%||0.35%||0.30%||0.20%||0.00%|
|Over £75,000 and up to £150,000||0.30%||0.22%||0.20%||0.15%||0.00%|
|Over £150,000 and up to £250,000||0.25%||0.20%||0.15%||0.10%||0.00%|
How we're able to discount your product charge
By rewarding you for taking steps to be healthy, this benefits us too, as you’re more likely to live longer and invest with us for longer. We believe it’s only right that we share some of what we earn with you. It’s all part of what we call shared value.
Healthy Living Discount FAQs
Who can take advantage of the Healthy Living Discount?
What is the Vitality programme?
The Vitality programme includes: 75% off Champneys spa stays, 25% off Runners Need, up to 40% off a range of Garmin or Polar devices, discounts on hotels, coffee and much more.
What is a Vitality status?
Bronze status – 0 Vitality points
Silver status – 800 Vitality points
Gold status – 1600 Vitality points
Platinum status – 2400 Vitality points
Just doing your online Health Review and taking a Vitality Healthcheck could earn you up to 880 points – enough to get you to Silver status.
How do I earn points to improve my Vitality status?
Earn 100 Vitality points when you complete your Vitality Health Review
Earn 2 Vitality points a day for 10 minutes (or more) of mindful activity when you use Headspace
Earn 480 Vitality points for taking a Vitality Healthcheck and being in the Green zone for 4 checks
Earn 100 Vitality points for making a non-smokers declaration online
Earn 5 Vitality points each day you walk over 10,000 steps.
How do I reach Platinum status?
For how long could I pay no product charge?
|Any information given here should not be taken as advice and is not intended as a personal recommendation to invest in a particular product. To find the best investment for you, speak to a financial adviser. You should also regularly assess your existing investments, to make sure they meet your attitude to risk and investment goals at the time.|