Life insurance
- Provide a payout for your loved ones when you pass away
- Live with peace of mind – we paid 98.9% of all life cover claims in 20241
- Get healthier, live longer2 and save even more with our rewards
What is life insurance?
Life insurance helps protect the people you love. It pays a lump sum if you pass away or are diagnosed with a terminal illness, giving your family financial support when they need it most.
If you have children, a partner, or anyone who depends on you, life insurance can help them keep going — covering things like the mortgage, everyday bills or funeral costs — so they can focus on what really matters.
Not sure it’s right for you? You might also consider:
- Income protection - which pays a monthly income if you can’t work due to illness or injury, or
- Serious Illness Cover - which pays a lump sum if you’re diagnosed with a serious condition such as cancer.
Why our life cover can be a life saver
We can help you protect your loved ones and live a longer, healthier life.
Live up to 5 years longer
Get active with Vitality and you could add up to 5 years to your life1
Get healthy with top rewards
Discounted gym membership, spa breaks and fitness trackers
Get up to 40% off premiums
The healthier you are, the lower your premiums stay
Live with peace of mind
VitalityLife paid 98.9% of all Life Cover claims in 2024 (VitalityLife Claims and Shared Value Report 2025)
How much does life insurance cost?
How much you pay for life insurance depends on things like:
- How much cover you need e.g. to cover a mortgage or school fees
- Your health and lifestyle, including previous conditions or smoking
- Whether you have a high-risk job such as a firefighter
Our life insurance starts from £5 a month and you get up to 40% off your premiums in the first year*.
Keep that lower premium every year when you stay active.
* For plans with a monthly premium above £45 for a single plan, or above £60 for a joint plan - an extra £5.50 per adult, per month is charged to get the full range of rewards.
How does life insurance work?
It's not as scary as it sounds.
Pay monthly
You can pay this via Direct Debit. Our life insurance starts from just £5 a month.
Make a claim with us
If you pass away during your plan term, your loved ones will make a claim.
Your family get a lump sum
Once the claim is approved, they could use this for anything, like paying off the mortgage.
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 5 and 70 years. If you pass away within the policy term, your loved ones get a lump sum.
Whole of life insurance lasts your whole life so your family get a guaranteed lump sum. The policy only ends when you pass away, so the monthly premiums are more expensive.
How much money should you leave your family?
Have a think about how much:
- Is left to pay off on your mortgage
- Other debts you need to pay off, like credit cards and loans
- Money you’d need for childcare or education
- Money your family may need to cover your funeral
What if life insurance could help you live a healthier life?
When Vitality member, Annette, took out Life cover in her 50s, she got more than peace of mind and financial protection. She was inspired to get healthier with our expert tools and rewards. “I wouldn’t have had this fitness regime if it hadn’t been for the life insurance with Vitality... I think I’m healthier now that I’m nearly 60.”
Vitality life insurance could help you live longer too
Yes, up to 5 years longer when you get healthier with Vitality2. Find out how.
Important plan documents
Your benefits and rewards
Enjoy regular rewards from top brands. Just for looking after your health.
In case of emergencies add Accident and Fracture Cover
Simply add it on to any Vitality life insurance plan and get payouts for fractures, accidents and emergency surgery. Plus, with access to physio*, you’ll soon be back to doing the things you love.
*Up to six physio sessions available per valid claim.
Get additional cover
We also offer cover against serious illness, sickness and injury.
Life insurance FAQs
1 VitalityLife Claims and Shared Value Report 2025
2 Based on members who move from 0 to 21+ activity points a week throughout their lifetime, applied to standard UK mortality rates. Vitality study 2024.
