Vitality.co.uk uses cookies to offer you a better browsing experience, analyse site traffic, and serve relevant personalised content and advertisements. Read about how we use cookies and how you can control them in our cookie policy. If you continue to use this site, you consent to our use of cookies.

Accept Cookies
Skip to Content
aw stanley points

Life insurance that rewards you for being healthy

Get active with Apple Watch Series 4. Get rewarded with VitalityLife. Protect tomorrow and live today with our 5-star Defaqto award-winning life cover.

Get a quote

What is life insurance?

A life insurance policy helps protect your loved ones financially if the worst were to happen or you get ill. Your family will get a cash lump sum they can use to cover costs such as funeral expenses, debts or household bills.

If you have a partner, children or any other dependents that rely on your income, then life insurance is for you. Most people will choose to take out life cover at key life moments including having a baby, getting married or nearing retirement. 

If you’re a homeowner or in the process of buying a home, it’s also a good idea to think about life insurance to cover your mortgage. This means that if you die before you’ve paid off your mortgage, then your family don’t need to worry about the monthly repayments.

What are the different types of cover?

There are four different types of life insurance we offer to help protect the things that mean the most. You can choose just one or, depending on your needs, combine them together for a more comprehensive policy.
  • Life Cover - Pays out a cash lump sum to your family if you die. You can either take out term life insurance which covers you for a fixed amount of time (like the length of your mortgage) or whole of life insurance that gives you lifelong cover with a guaranteed payout on death
  • Serious Illness Cover - Pays out a cash lump sum if you’re diagnosed with a serious illness. Unlike a typical critical illness policy, we pay out for the less severe conditions as well as the more critical ones

Why Vitality are different

Join more than 1,000,000 Vitality members* who are now enjoying a healthier life with our positively different insurance plans.

  • We believe in making a difference to people’s lives

    With our unique approach to insurance we help you take a more active role in managing your own wellness. This can encourage you to develop healthy long-term habits that are good for you, good for us and good for society.

  • 5-star award-winning cover

    Our Life Cover, Serious Illness Cover and Income Protection Cover have all received top marks from Defaqto. Defaqto is an independent financial research company that only provides 5-star ratings to the most comprehensive products on the market.

  • We paid out 99% of all life cover claims in 2017

    In 2017 we paid out £36.1 million in claims across our Life Cover, Serious Illness Cover and Income Protection products.

  • We cover more conditions than any other insurer

    Including all heart attacks, all strokes and more cancers than anyone else. Our comprehensive Serious Illness Cover covers you for 178 conditions, whereas the typical Critical Illness Cover policy only covers for 77 conditions.

  • Save up to £2,961 with our reward partners**

    As part of our commitment to rewarding you for being healthier, we offer an extensive range of discounts and savings on such things as gym fees, activity trackers, cinema tickets and flights. If your monthly premium is over £30, we’ll give you access to our best range of rewards.

  • We offer free no-obligation advice

    New to life insurance? Our expert team of financial advisers can help. We’ll get to know your situation and tailor a policy to suit your needs. Give us a call on 0161 2167 595 or request a callback.

Get a quote

Why should I buy life insurance?

For many people, life insurance is an excellent way to protect the things that matter the most – such as making sure your family’s financial future is more secure if something unexpected happens to you. It can also help to protect financially against critical illnesses, the loss of income if you get ill, or to ensure your mortgage repayments are covered if anything were to happen.

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. Cover with VitalityLife can start from just £9.50 per month but can change depending on such things as the amount of cover you need, the amount of time you want to be covered for, any pre-existing medical conditions etc.

Can I add Critical Illness Cover to my policy?

We don’t offer Critical Illness Cover, we offer Serious Illness Cover, which is different as it pays you out for less severe conditions as well as critical ones. Serious Illness Cover gives you a percentage of your cover amount based on the severity of your condition. This means we’re able to pay out on a wider range of illnesses - not just the debilitating or life-threatening ones covered by typical critical illness policies.

With us, you can include Serious Illness Cover with Life Cover or take it on its own. The level of Serious Illness Cover you’ll need depends on a few things, so we recommend talking to a VitalityLife adviser first.

Can I change my policy if my circumstances change?

Yes. If your circumstances change you can increase your cover or buy extra policies. You can also choose to add indexation to your plan at no extra cost. Indexation protects you against rises in the cost of living, making sure you always keep the level of cover you need and increases your cover each year without the need to go back through our application process. You can also choose to opt out of any future increases.

How long should my life insurance cover be for?

It’s entirely up to you. We offer a minimum term of five years and a maximum term of your entire life. Most people will align their length of time with when they expect their mortgage to be paid off. You can then continue to reassess your protection needs as your life circumstances change.

Do I need to have a medical exam before I take out life insurance?

Not necessarily, but you must tell us about any medical conditions as part of your application. If you don’t suffer from any conditions you may not need to have a medical.

How much life insurance cover do I need

This will vary depending on your personal circumstances and can be anything between £10,000 and £10,000,000. Have a think about:

- How much is left to pay on your mortgage
- How much other debt you have to pay
- How much you would need to pay towards childcare or education
- How much your loved ones would need to maintain their lifestyle
- How much you may need if you get a critical illness
- How much you can afford

You can find out more here, otherwise if you’re new to life insurance it can be a good idea to get tailored advice from a qualified financial adviser. Our expert team can offer free no-obligation advice over the phone on 0161 2167 595

What’s the difference between level, decreasing and indexed life insurance?

This is used to determine the structure of your plan and the value that it’s worth over time. The monthly premiums you pay may change depending on this.

Level cover means that the value of your plan stays the same over time. It will only change if something happens such as you make a claim or change your cover.

Indexed cover means that the value of your plan will increase each year to align with inflation and rises to the cost of living.

Decreasing cover means that the value of your plan decreases over time. This may align with decreases to your mortgage amount as you continue to pay it off.

More FAQs

Our additional covers and options

  • Family Income Cover – provides your family with a set monthly income if you fall seriously ill or die. You can choose a payment period of up to 10 years and increase your cover in line with living costs. Family Income Cover can be added onto Life Cover, Serious Illness Cover or Income Protection
  • Education Cover – ensures your children’s schooling isn’t affected if something were to happen to you. This can cover tuition fees as well as other school costs like uniforms, books and school trips. Education Cover can be added onto Life Cover, Serious Illness Cover or Income Protection
  • Optional Serious Illness Cover for Children – pays you a cash lump sum if your child suffers a serious illness. You can get from £20,000 to £100,000 cover for each child named on your plan and can be added onto can be added onto Life Cover, Serious Illness Cover or Income Protection.
  • LifestyleCare Cover – can be added onto Life Cover and gives you financial help at times when you can no longer look after yourself due to degenerative illnesses like dementia, Parkinson’s, Alzheimer’s and stroke.
Find out more

Compare life insurance options

Explore our different insurance options to see which one’s right for you.
Learn more

Our most popular reward partners

If your monthly premiums are over £30 per month, you’ll get access to our best range of savings and reward partners. If your premiums are less than £30, don’t worry, we’ll still give you access to a lite version of our rewards.
  • amazon-prime
  • Cineworld and Vue white logos
  • British Airways white logo
  • Starbucks white logo
  • Ocado logo
  • Virgin Active Logo in White
  • nuffield
  • david lloyd
  • Garmin white logo
Find out more

Key Policy Documents

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 call back
* Member details correct as at October 2018.
** If your premium is over £30 per month, you get to Platinum Vitality status and use all of our discounts and rewards

Get a quote Get a quote

Life insurance quoteRequest a callback