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Life insurance that rewards you for being healthy

Take out life insurance and you could get an Apple Watch Series 3 GPS or Apple Watch Nike+ Series 3 GPS from £29 upfront. Nothing more to pay if you stay active with Vitality. Minimum monthly premiums and T&Cs apply*.
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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.

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.

  • Most comprehensive cover in the protection market

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    We cover four times as many conditions including all heart attacks, all strokes and more cancers than the typical insurer.

  • You're more likely to get a payout with us than a typical insurer

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    We paid 99% of all life cover claims in 2016. Plus with our Serious Illness Cover you're 3x more likely to get a payout with us**.

  • Access to our exclusive discounts and rewards partners

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    Saving you up to £2,961 a year if you take advantage of all of our partners and reach platinum status with an Optimiser.

Up to 40% off life insurance

Our 5-star award-winning protection just got cheaper!

Get a discount of up to 40% off your monthly premiums when you take out a life insurance policy with Wellness Optimiser. Minimum premiums and T&Cs apply.
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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

Exclusive discounts, savings and rewards.
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0161 2167 595

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday

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*Available with a Wellness Optimiser or Vitality Optimiser at £3.80 per month a minimum monthly premium of £30 for a single policy and £40 for a joint policy. Applies to selected Apple Watch Series 3 GPS and Apple Watch Nike+ Series 3 GPS only. Initial upfront payment will vary depending on the model. Over 18s only. A credit check and eligibility criteria applies. Credit subject to status. 0% APR. Variable Direct Debit for 24 months. Unavailable in Isle of Man and Channel Islands. Monthly payments depend on your level of activity and could be between £0 and £12.50. Exclusive lender is PayBreak Limited. Vitality Corporate Services Limited acts as a credit broker and is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London SE1 2AQ. View the full terms and conditions.

** Hannover Re UK Life Branch - February 2017