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Life insurance

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✓ 5 Star award-winning life cover
✓ 99.5% of claims paid (Vitality Claims Report, 2019)

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What is life insurance?

Life insurance, also known as life cover, is an insurance policy that pays out a lump sum to your loved ones when you die. The money can help with your family's finances, making a difficult time a little easier. There’s no restrictions on how they can use the money - it can help pay for anything, like debt repayments, and funeral costs.

Do I need life insurance?

Most people choose to buy life insurance at key life stages, like:

What are the different types of life insurance?

There are two types of life insurance policies - term life insurance and whole of life insurance.

The most popular and cheaper of the two is term life insurance, which covers you for between five and 70 years. If you pass away within the policy term, your loved ones receive a lump sum.

If you’re buying a home, you can get term life insurance to cover your mortgage. If you die before it’s paid it off, the policy pays off the remaining amount. So your family can keep their home and not have to worry about the repayments.

Whole of life insurance lasts your whole life so your family get a guaranteed lump sum. The policy ends when you pass away, so the monthly premiums are more expensive.
 

How does life insurance work?

You'll pay monthly premiums. When you pass away, your loved ones will make a life insurance claim, and receive a lump sum.
    1. Decide on the type of policy you need
    Choose between term life insurance or whole of life insurance.

    2. Choose your cover amount
    This is the amount of money that your loved ones would receive as a lump sum.

    3. Pay your monthly premium
    A premium is the payment you make in exchange for your policy by a monthly Direct Debit. 

    4. Claiming
    When you pass away, your loved ones will make a claim with the insurance provider.

    5. Payment
    Once the claim is approved, they’ll receive a lump sum into their bank account.

How much life insurance do I need?

The amount of life cover you need will vary depending on your personal circumstances. It’s worth thinking about how much:
  • Is left to pay on your mortgage
  • Other debt you need to pay off
  • Money you’d need for childcare or education
  • Money your family may need to cover your funeral. In the UK, the average funeral costs £3,989 (Royal London National Funeral Cost Index Report, 2019)
  • You can afford to pay on life insurance premiums.
Once you’ve bought a life insurance policy, review the amount of cover you need every year. As your circumstances change, so will the cover amount you need. For example, if you pay off some of your debts or have more children.

How much does life insurance cost?

The cost of life insurance depends on your health and lifestyle factors, like:
  • Your height
  • Your weight
  • Any pre-existing health conditions you may have
  • If you smoke
  • If you're employed in a high-risk occupation e.g firefighter.
Our life insurance starts from £8 per month. To get an upfront discount, add Optimiser for an extra monthly fee. And, when you stay active, you can control your ongoing premiums.
Get a life insurance quote

What does life insurance cover?

Life insurance covers your family or dependents with a lump sum payout when you die.

What's covered?

Life insurance covers:

Death
Your loved ones will get a lump sum when you die.

Terminal illness
If you’re diagnosed with a terminal illness with a life expectancy less than 12 months, you’ll receive the payout.

What's not covered?

Life insurance may not pay out if:

Your policy has expired
If your life insurance policy expires and you haven’t claimed, it won’t pay out to your family when you pass away.

If you stop paying your premiums
If you don’t keep up with your payments, your cover stops.

You die as a result of suicide
If you take your own life, your family might not receive a payout.
 

Why choose Vitality life insurance?

  • 5 Star Defaqto Rated life cover

    5 Star defaqto rated life insurance logo

    Our life cover is 5 Star Rated by Defaqto, which means it’s verified as a trusted product.

  • Discounts and rewards for healthy living

    Vitality life insurance discounts and rewards logo

    Save money on gym fees, activity trackers, sports shoes and more. And with a qualifying plan you could get the Apple Watch deal.

  • Thousands of 5 Star Trustpilot reviews

    Highly rated Trustpilot life insurance logo

    We’re delighted that so many Vitality members have a great customer experience. 

  • 99.5% of all life insurance claims paid

    Life insurance claims logo

    You can rely on us. In 2019, 99.5% of our members who claimed received a payout (Vitality Claims Report, 2019).

Discounts and rewards available with Vitality life insurance

  • Apple Watch logo
  • Caffe Nero
  • ODEON Vue logo
  • Virgin Active Logo in White
  • Garmin white logo
See all discounts and rewards

How our life insurance claims process works

Making a life insurance claim will be a distressing time. Our trained experts will handle the claim with compassion and care throughout.
Should you or your family need to make a claim, call us on 0345 601 0072 or email lifeclaims@vitality.co.uk.
Once we've got all the required documents, we’ll assess the claim. Our team will be in touch throughout the process to keep your family updated.
Once the claim is approved, the lump sum will be paid into the nominated bank account.

More on our claims process

Related life products

  • Serious illness cover

    Serious or critical illness cover pays out a tax-free lump sum if you’re diagnosed with a serious illness. The illness may not be life threatening, but it still affects your day-to-day life.

  • Income protection insurance

    Income protection insurance pays you a tax-free monthly income if you get sick or injured and can’t work.

  • Mortgage protection insurance

    Mortgage protection pays off your mortgage if you get ill or you die before it's paid off.

Want to get a quote?

It only takes two minutes.

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Need advice?

Call us on 0161 974 2517. Our team are on hand to answer your queries. 

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Life insurance FAQs

If you have people that depend on you, it could be worth getting life insurance. It can help protect them financially if something unexpected happens to you. 
This is up to you and depends on your circumstances. With our life cover plans, you can choose a term from five years, up to your whole life.
Yes, you can have more than one life insurance policy with different providers. You might want to consider having more than one policy to address different needs.
Yes. If your circumstances change, you change your cover amount, or add on cover options. Likewise, if you and your partner share a joint life insurance policy and you split, you can separate your plan.

You can also choose to add indexation to your plan at no extra cost. Indexation protects you against rises in the cost of living, so you have the correct level of cover you need. By adding this onto your plan, your cover amount will increase each year. You can also choose to opt out of any future increases.
Not always, but you need to tell your provider about any medical conditions you may have. If you don’t suffer from any conditions, you might not need to have a medical exam.

Life insurance guides

  • Term life insurance guide

    Term life insurance gives you cover for a specific amount of time. You choose the term, and if you pass away or become ill during that term, your family receive a lump sum.

  • Life insurance premiums guide 

    What are life insurance premiums, and how are they calculated? We answer your questions in our life insurance premiums guide.

  • Whole of life insurance guide 

    Whole of life insurance covers you for your entire life. It guarantees a payout to your loved ones when you die or become terminally ill.

  • Life insurance payouts guide 

    How do life insurance payouts work, and who gets your life insurance payout? Our guide answers all of your questions.