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Apple Watch Series 4

Life insurance that rewards you for being healthy

VitalityLife members get Apple Watch Series 4 from £99 upfront. Min. monthly premiums and T&Cs apply.Any monthly payment you make will be between £0 and £12.50, depending on your level of activity. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Offer ends 15 Jan 2019.
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Award-winning life insurance

If the worst should happen, or you can’t work because of illness or injury, our 5-star Defaqto award-winning range of protection products will give you or your family payments to make things easier


For a lot of people, a protection plan is an excellent way to look after the things that mean the most – such as making sure your family’s financial future is more secure if something unexpected happens to you – by helping to pay off debts, household bills or the mortgage, for example.


Life insurance is an excellent way to protect the things that mean the most to you. In the event that you die during your policy, we’ll pay out a cash lump sum. So even if the unexpected should happen, you’ll have peace of mind.


Protection plan is an excellent way to protect the things that mean the most to you – whether that be your family, your home, your income, your business or against illness . We have a product to suit all needs.

Five star Defaqto rating Life Assurance

Life insurance plans

All of our plans come with the chance to control your premiums and earn rewards with Wellness Optimiser, as well as the choice of additional covers and options for an additional monthly fee.
  • Term Life Insurance

    Covers you for a fixed time period and pays out a cash lump sum to your family if you die while you're covered.

  • Whole of Life Insurance

    Gives you a lifelong cover with a guaranteed payout to your family on death.

  • Serious Illness Cover

    Pays you a cash lump sum if you're diagnosed with one of the serious illnesses we cover. We cover more cancer types than any other insurer and 4x as many conditions as a typical critical illness cover**. 

  • Income Protection Cover

    Pays you a monthly income if you get sick or injured and can't work.

  • Mortgage Protection Cover

    Helps you to pay your mortgage if you get ill and can't work.

Why choose Vitality life insurance?

Our 5-star Defaqto award-winning products will not only protect you but will give you something back without having to claim.

  • Award-winning cover

    Our Life Cover, Serious Illness Cover and Income Protection have all received 5-start Defaqto awards.

  • Peace of mind

    We paid out 99% of all life cover claims in 2017***. With our Serious Illness Cover you're 3x more likely to get a payout with us*.

  • Save up to £2,961 per year

    If you participate in our healthy living programme, reach platinum status and use all of our discounts and rewards. Minimum monthly premium of £30.

Healthy living and rewards partners

40% off monthly gym fees. A joining fee will apply.

Gym discount available at participating Virgin Active, Nuffield Health Fitness & Wellbeing or David Lloyd Clubs. Minimum monthly premiums and terms and conditions apply2.

Having the right footwear is key to enjoy activity to the full and to prevent injury. That's why we also partner with Sweatshop to offer 50% off a pair of sport shoes. Offer applies to one pair of sport shoes every year3. Runners Need will replace Sweatshop as a Vitality fitness partner as of 1 January 2019.
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Life Cover frequently asked questions

Why should I buy life insurance?

It depends on where you are in life. However, for many people, life insurance is an excellent way to protect the things that mean the most to you – such as making sure your family’s financial future is more secure if something unexpected happens to you.

How do you work out the price of my life insurance?

Your premiums are based on lots of things, such as your age, height and weight, your health, whether you’re employed in a high-risk occupation, and whether you smoke.

How long should I take out life insurance for?

It’s really entirely up to you. We offer life insurance to cover you from a minimum of five years and up to your entire life. Before you decide, we recommend you talk to a VitalityLife Adviser, so that they can design a plan around what works specifically for you.

What are the minimum monthly premium and minimum cover amounts?

The minimum monthly premium for life insurance at VitalityLife is £8 and the minimum cover amount is £10,000. However, the level of cover you’ll get for £8 a month will depend on your age, height and weight, whether or not you smoke, general health and your medical history. The premium will be higher if you take advantage of our extended rewards and discounts.

Compare protection plans

Explore the different features of Life Cover, Income Protection, Serious Illness Cover and Mortgage Protection to see which one's right for you.
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Get our best savings and rewards

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Lines open:
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9am - 5pm Saturday
Closed - Sunday

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* Hannover Re UK Life Branch - February 2017
** The average number of conditions that typical critical illness policies cover is 48. Source Defaqto, 2017
*** Vitality statistics

£99 upfront payment is a limited time offer for VitalityLife members with Vitality Plus, Vitality Optimiser or Wellness Optimiser, ending 15 Jan 2019. Standard offer price thereafter for VitalityLife members will be from £159 upfront. Prices shown refer to Apple Watch 4 40mm Silver aluminium model with sport band.

Available with certain VitalityLife products. For VitalityLife, you’ll need to add Wellness Optimiser or Vitality Optimiser at £3.80 per month plus have a minimum monthly premium of £30 for a single policy and £40 for a joint policy. This fee is subject to change. To find out about these charges please read our reward terms and conditions.

Offer applies to selected Apple Watch Series 4 40mm or 44mm models only. Offer only available to members aged 18 or over. Eligibility for this offer is subject to financial circumstances and status. Upon successful credit check you'll need to make an initial upfront payment which will vary depending on the model you choose to a maximum of £129. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on your level of Vitality activity and could be between £0 and £12.50. If you are unable to maintain your payments the lender reserves the right to cancel your credit agreement. If you cancel your Vitality plan and have not completed your payments under the credit agreement, your credit agreement with the lender will continue under the terms of that agreement. VitalityHealth VitalityLife and VitalityInvest are trading names of Vitality Corporate Services Limited, who for the purposes of this offer are acting as a credit broker only and not a lender. afforditNOW is a suite of lending products offered by PayBreak Limited, the exclusive lender. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London, SE1 2AQ. Further terms and conditions apply. PayBreak Limited is authorised and regulated by the Financial Conduct Authority. Registered offices at Grosvenor House, 20 Barrington Road, Altrincham, WA14 1HB.

Details correct as of October 2018. Terms and conditions apply at

2Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £3.80 per month. Available at participating gyms in our Vitality Network. Applies to Flexible Individual Platinum membership at selected David Lloyd Clubs. This offer does not apply to the Virgin Active Chiswick Riverside Health and Racquet club.

Virgin Active joining fees are £50 for all clubs other than Classic Collection clubs, where joining fees are £75.

The Nuffield Health Fitness & Wellbeing discount is available at selected clubs. Applies to one month contracts. A joining fee of £30 will apply.

Up to 50% off Individual Flexible Platinum membership fees at selected David Lloyd Clubs. A joining fee of £60 will apply.

Offer applies to one pair of sport shoes every year.