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Healthy Living Discount

You could pay no product charge at all on your investment – it’s as simple as tracking your daily steps

Saving 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?

The Healthy Living Discount is a unique discount on your product charges. The more you look after yourself, the bigger the savings on product charges. And when you save on your product charges, you have the opportunity to grow you investment even further.

How does the Healthy Living Discount work?

  • 1

    Open a VitalityInvest plan. You'll automatically have access to our healthy living programme which gives you discounts from well-known brands like Champneys and Garmin

  • 2

    Maintain healthy habits by doing things like tracking your activity and having regular health checks. These earn you Vitality points which help you build a Vitality status - Bronze, Silver, Gold or Platinum

  • 3

    The higher your Vitality status, the bigger the rewards and the more you save on product charges. Achieve Platinum status you’ll pay £0 product charge

See how your product charge reduces if you track your healthy habits:

Value of investment  Annual product charge based on Vitality status
  Bronze / Silver status  Gold status  Platinum status 
 Up to £30k 0.50% 0.30%  No product charge
Amount over £30k up to £75k 0.40%  0.25%  No product charge
 Amount over £75k up to £250k 0.30%  0.20%  No product charge
 Amount over £250k up to £500k No product charge No product charge No product charge
 Amount over £500k No product charge No product charge No product charge
These product charges apply to plans opened during our special offer period, 22nd July 2019 to 31st January 2020. With our special offer, after 12 months we'll refund all the product charges you have paid so far. Bronze customers also pay the Silver product charge, giving you a head start to even more value.

Example calculation

You want to invest £20,000 towards a new house. Your annual product charge will be 0.50%, which then adds up to £100 a year.

You open a VitalityInvest ISA, go for a health check and start tracking your daily steps, and you earn Vitality points. Your Vitality status automatically starts at Bronze but through your engagement in healthy living, reaches Gold. As a result of the Healthy Living Discount, your product charge for the year would be £60.

You continue tracking your daily steps and you reach Platinum status, you then save yourself £100 a year on product charges.

Which plans are eligible for the Healthy Living Discount?

How we're able to reward you

When you save for longer, your money has a better chance to grow. That’s good for us and good for you. So we believe it’s only right to share some of our earnings with you. It’s all part of what we call shared value. Think of it as a helping hand to get where you want to be.
Learn more

Please remember the value of investments - and the income from them - can go down as well as up, meaning you may get back less than you invest.

Through the healthy living programme, VitalityInvest plans include discounts from a range of our partners

  • Garmin
  • Polar
  • Weight Watchers Logo
  • Logo
  • Logo
  • Headspace
  • Bluecrest logo
  • Nike with Vitality logo
  • parkrun
  • Runners Need logo
  • Withings logo


Who can take advantage of the Healthy Living Discount?

Any new customer who opens a VitalityInvest plan automatically has access to the healthy living programme, therefore is able to take advantage of the Healthy Living Discount.

What is the healthy living programme?

The healthy living programme rewards you for living well. Earn Vitality points by doing health checks, tracking your daily steps and looking after yourself. By getting more points, you’ll increase your Vitality status. The higher your status, the lower the product charge you pay. So you invest in your future wealth, and your future health. It’s a win-win.

The healthy living programme includes: 75% off Champneys spa stays, 25% off Runners Need, up to 40% off a range of Garmin and Polar devices, and more.

What is a Vitality status?

The more you look after yourself, the more points you can earn. By earning points, you can move from Bronze Vitality status to Silver, then Gold and finally Platinum. To get to each stage, you’ll need:

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 point to improve my Vitality status?

Here are just some of the ways you can earn Vitality points:

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, using Headspace, Buddhify, Calm or The Mindfulness App
Earn 480 Vitalty 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?

To reach Platinum status you need to get to 2,400 Vitality points.

For how long could I pay no product charge?

You could continue paying no product charge throughout the entire investment period, just as long as you get to and maintain Platinum status.

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.
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