Vitality.co.uk use cookies (small text files) to store information on your computer to give you the best experience.

Close
Skip to Content
Life Insurance 40% Offer

Life insurance that rewards you for being healthy

Get up to 40% off your monthly premiums when you take out life insurance with Wellness Optimiser. Minimum monthly premiums and T&Cs apply1.

VitalityLife members get 40% off monthly gym membership. For a limited time only, join Virgin Active or Nuffield Health and pay no joining fee by 30th September. A joining fee will apply at David Lloyd Clubs. Minimum monthly premiums and T&Cs apply2. 
Get a quote

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

HOW LIFE COVER PLANS HELP

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.

WHAT IS LIFE INSURANCE

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.

WHO IT'S FOR

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***. 

  • 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.

Get a quote

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

    women on a phone

    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

    smiling family

    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

    dad playing football with kids

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

Healthy living and rewards partners

40% off monthly gym fees and pay no joining fee if you join by 30th September

Gym discount available at participating Virgin Active, Nuffield Health Fitness & Wellbeing or David Lloyd Clubs. Minimum monthly premiums and terms and conditions apply. For a limited time only, join by 30th September and pay no joining fee. A joining fee will apply to David Lloyd clubs2.

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 year. 
Learn more

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.

More FAQ's

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.
Compare now

Get our best savings and rewards

Exclusive discounts, savings and rewards.
  • virgin active logo
  • cineworld view logo
  • british airways
  • starbucks logo
  • champneys logo
  • polar logo
  • weightwatchers logo
  • evans logo
  • lloyds pharmacy logo
  • garmin logo
Find out more
Computer icon Get a Quote

All it takes is a couple of minutes.

Get a quote
Phone icon Call us on
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

Request a callback
* 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

1 Minimum monthly protection premiums of £30 for a single policy and £40 for a joint policy apply. The premium discount is available on fixed term policies with Wellness Optimiser for an additional fee of £3.80. The rewards mentioned are available with Wellness Optimiser or Vitality Optimiser for an additional monthly fee off £3.80. This fee is subject to change. 

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.

A joining fee will apply after the no joining fee offer ends on 30 September 2018. Joining fees are £50 for all clubs other than Classic Collection clubs, where joining fees are up to £150. Further terms and conditions for the no joining fee offer are on the Virgin Active website: virginactive.co.uk/legals/terms-and-conditions/2018/no-joining-fee-offer-terms 

The Nuffield Health Fitness & Wellbeing discount is available at selected clubs. Applies to one month contracts. A joining fee of £30 will apply after the no joining fee offer ends on 30 September 2018. Further terms and conditions for the no joining fee offer for Vitality members are on the Nuffield Health website: nuffieldhealth.com/vitality-gym-membership-promotion-terms-and-conditions
Our national Vitality Partner Gym Network consists of over 100 gyms.


3 Offer applies to one pair of sport shoes every year. 

Get a quote Get a quote

Call us on 0808 159 1449Life insurance quoteRequest a callback