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Life insurance that rewards you for being healthy
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.
Life insurance plans
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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.
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Whole of Life Insurance
Gives you a lifelong cover with a guaranteed payout to your family on death.
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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 and 4x as many conditions as a typical critical illness cover**.
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Income Protection Cover
Pays you a monthly income if you get sick or injured and can't work.
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Mortgage Protection Cover
Helps you to pay your mortgage if you get ill and can't work.
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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Award-winning cover
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Our Life Cover, Serious Illness Cover and Income Protection have all received 5-start Defaqto awards.
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Peace of mind
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We paid out 99% of all life cover claims in 2017***. With our Serious Illness Cover you're 3x more likely to get a payout with us*.
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Save up to £2,961 per year
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If you participate in our healthy living programme, reach platinum status and use all of our discounts and rewards. Minimum monthly premium of £30.
Healthy living and rewards partners
40% off monthly gym fees. A joining fee will apply.
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 year3. Runners Need will replace Sweatshop as a Vitality fitness partner as of 1 January 2019.
Life Cover frequently asked questions
Why should I buy life insurance?
How do you work out the price of my life insurance?
How long should I take out life insurance for?
What are the minimum monthly premium and minimum cover amounts?
Compare protection plans
Get a Quote
Call us on0161 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
** The average number of conditions that typical critical illness policies cover is 48. Source Defaqto, 2017
*** Vitality statistics
1 £99 upfront payment is a limited time offer for VitalityLife members with Vitality Plus, Vitality Optimiser or Wellness Optimiser, ending 15 Jan 2019. Standard offer price thereafter for VitalityLife members will be from £159 upfront. Prices shown refer to Apple Watch 4 40mm Silver aluminium model with sport band.
Available with certain VitalityLife products. For VitalityLife, you’ll need to add Wellness Optimiser or Vitality Optimiser at £3.80 per month plus have a minimum monthly premium of £30 for a single policy and £40 for a joint policy. This fee is subject to change. To find out about these charges please read our reward terms and conditions.
Offer applies to selected Apple Watch Series 4 40mm or 44mm models only. Offer only available to members aged 18 or over. Eligibility for this offer is subject to financial circumstances and status. Upon successful credit check you'll need to make an initial upfront payment which will vary depending on the model you choose to a maximum of £129. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on your level of Vitality activity and could be between £0 and £12.50. If you are unable to maintain your payments the lender reserves the right to cancel your credit agreement. If you cancel your Vitality plan and have not completed your payments under the credit agreement, your credit agreement with the lender will continue under the terms of that agreement. VitalityHealth VitalityLife and VitalityInvest are trading names of Vitality Corporate Services Limited, who for the purposes of this offer are acting as a credit broker only and not a lender. afforditNOW is a suite of lending products offered by PayBreak Limited, the exclusive lender. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London, SE1 2AQ. Further terms and conditions apply. PayBreak Limited is authorised and regulated by the Financial Conduct Authority. Registered offices at Grosvenor House, 20 Barrington Road, Altrincham, WA14 1HB.
Details correct as of October 2018. Terms and conditions apply at member.vitality.co.uk.
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.
Virgin Active joining fees are £50 for all clubs other than Classic Collection clubs, where joining fees are £75.
The Nuffield Health Fitness & Wellbeing discount is available at selected clubs. Applies to one month contracts. A joining fee of £30 will apply.
Up to 50% off Individual Flexible Platinum membership fees at selected David Lloyd Clubs. A joining fee of £60 will apply.
3 Offer applies to one pair of sport shoes every year.