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Life insurance that rewards you for being healthy

Peace of mind for you and your loved ones.
Apple Watch Series 3 with Vitality life insurance.
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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.


Protection plans are for everyone. It’s 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

Our award-winning range

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.

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.

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    Most comprehensive cover in the protection market

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

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

    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*.

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    Access to our exclusive discounts and rewards partners

    Saving you up to £2,276.04 a year if you take advantage of all of our partners and reach platinum status.

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.

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Vitality Healthcheck

Has your life insurer changed your life?

Chris had a discounted health check as part of his VitalityLife insurance. It helped reveal he had type 2 diabetes. This crucial early warning meant he was able to take action before it was too late. 
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Life Cover frequently asked questions

Your questions answered

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 a minimum term of five years and a maximum term of your entire life, with Whole of Life insurance. 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.

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 - 8pm Monday to Friday
9am - 5pm Saturday and Sunday 

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Hannover Re UK Life Branch - February 2017