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Life insurance that rewards you for being active

Enjoy discounts on monthly gym fees, Starbucks, cinema tickets and travel.

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Rewarding you for living healthier

Protect your financial future with our award-winning life cover and get access to our exclusive reward partners including Ocado and British Airways. We encourage you to lead a healthier life and reward you for doing so. 

Add Wellness Optimiser to your plan and track your activity with one of our discounted activity trackers to earn Vitality points. By taking just 12,500 steps a day, twice a week, you could be rewarded with a Starbucks 1 drink and a cinema ticket with Cineworld or Vue 2.


Defaqto 5-star, award-winning cover

  • You're up to 3 times more likely to get a payout with us*

  • Get cover for nearly 4 x more conditions than typical critical illness policies**

  • Up to 40% off your monthly life insurance premiums8

  • We cover more cancers than any other insurer

  • Earn up to £125 cashback each year – by getting active****

Why choose VitalityLife?

  • Award-winning cover

    Our life cover, serious illness cover and income protection have all received 5-star Defaqto awards.

  • Peace of mind

    In 2017, we paid out 99% of all life insurance claims.

  • Save up to £2,961 per year

    If you participate in our healthy living programme, reach platinum status and use all of our discounts and rewards. Minimum monthly premium of £30.

Insurance that rewards you for being active

  • 40% off monthly gym fees

    Get 40% off monthly gym fees with participating Virgin Active, Nuffield Health & Wellbeing or David Lloyd Clubs. A joining fee applies 3.

  • Cinema tickets

    Get active and keep motivated with cinema tickets for Vue or Cineworld. 2.

  • Healthy food with Ocado

    Up to 25% off Ocado healthy food with free delivery. Save up to £300 per year^.

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. Minimum premiums and T&Cs apply .
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9am - 5pm Saturday
Closed - Sunday

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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 monthly fee of £3.80. The rewards mentioned are available with Wellness Optimiser or Vitality Optimiser for an additional monthly fee of £3.80. This fee is subject to change. To find out about these charges please read our reward terms and conditions.

*Hannover Re UK Life Branch February 2017

** The average number of conditions that typical critical illness policies cover is 48. Source: Defaqto, 2017

*** Vitality life insurance gives you up to £125 cashback each year for being active. With premiums starting from just £ 9.50 per month

**** Vitality statistics 2017

^Correct as of January 2018

1 Offer is valid for participating Starbucks stores and does not include Venti and seasonal specials. You need to earn 12 activity points in a week and upload your data to your account by Sunday evening to be eligible for a drink the following Thursday. Each adult member on your plan will need to link their own Starbucks Rewards account to Vitality to be eligible for drinks

2 If you have more than one adult on your plan, you each need to earn 12 Vitality points per week for tracking your exercise to unlock a cinema ticket for every member on your plan. Maximum of one ticket per week for each person on your plan at either a Cineworld or Vue cinema. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

Excludes alternative content, special screenings, all viewings at Cineworld Leicester Square and Vue Premieres and Event Cinema. 3D glasses and upgrades for special viewings, seating options, VueXtreme, Cineworld Cheltenham Screening Rooms and all screenings at Vue Leicester Square are available for an additional cost.

3 This offer does not apply to the Virgin Active Chiswick Riverside Health and Racquet club.

Applies to Flexible Individual Platinum membership at selected David Lloyd Clubs. 

Our national Vitality Partner Gym Network consists of over 100 gyms. 

4 Discount between 10-25% and applies to the first £100 of healthy food and drink each month. Minimum monthly premiums, terms & exclusions apply. Ocado delivery restrictions apply. The Ocado savings example is based on a member on Platinum status spending £100 on healthy foods per month and receiving the maximum £25 discount per month.

Discounts apply to the total cost of the flight, including all taxes and charges. It applies to standard, hand baggage only, semi-flexible and fully-flexible fares. It doesn’t apply to optional extras, such as special baggage fees.

For flights leaving between Sunday and Thursday, there must be at least two nights between the outbound and return flights. For flights leaving on a Friday or Saturday, there must be at least one night between the outbound and return flights. Any non-members accompanying you on the flight booking will not be eligible for a discount.