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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 partner rewards including Apple Watch, 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 per week, you could be rewarded with a Starbucks drink1 and a cinema ticket at Cineworld or Vueevery week. Plus, for a limited time, get active with 40% off monthly gym fees with no joining fee at Virgin Active, Nuffield Health and David Lloyd Clubs if you join by 28 February. 

Minimum monthly protection premiums of £30 for a single policy. Available with one of our optimisers for an additional £3.80 per month*. 

To date our members have claimed 4.5 million Starbucks drinks, three million movies have been watched at the cinema, 100,000 members have claimed an Apple Watch and 26 million gym visits per year which equates to 70,000 workouts per day^. 


Get an online quote in minutes or call a VitalityLife adviser on 0808 231 7989

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 2016, we paid out 99% of all life insurance claims.

  • Savings of up to £2,961 per year

    If you use all of our discounts and rewards, reaching platinum status. Min monthly premium of £30.

Apple watch series 3 offer with Vitality Life Insurance

Join Vitality and get Apple Watch Series 3 GPS and Apple Watch Nike+ Series 3 GPS from £29 and pay nothing more if you stay active and track your activity to earn Vitality points. Minimum monthly premiums and terms and conditions apply***.
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Earn bigger rewards

The more Vitality points you earn, the higher your Vitality status can become, which can be used to give yourself even bigger rewards.

Treat yourself with a weekend away with up to 40% off British Airways3 flights or 25% off Mr & Mrs Smith luxury boutique hotels4.

While you’re at it you could even get up to 50% off on Eurostar travel5.

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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Compare life insurance options

Explore our different insurance options to see which one’s right for you.
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*Minimum monthly protection premiums of £30 for a single policy and £40 for a joint policy apply. The premium discount and cashback are available with Wellness Optimiser for an additional monthly fee of £3.80 per person. This fee is subject to change. To find out about these charges please read our reward terms and conditions. The rewards mentioned are available with Wellness Optimiser.

** 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.

***The offer is not available to Vitality members who have already purchased an Apple Watch through Vitality. Initial upfront payment will be £59 for the 42mm model. Over 18s only. A credit check and eligibility criteria applies. Credit subject to status. Unavailable in Isle of Man and Channel Islands. Monthly payments depend on your level of activity and could be between £0 and £12.50. Exclusive lender is PayBreak Limited. Vitality Corporate Services Limited acts as a credit broker and is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London SE1 2AQ.

^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

Codes are not valid for viewings at Cineworld Leicester Square. Upgrades for 3D films, alternative content and special showings or extras like VIP seats available for an additional cost. Cinema ticket voucher codes can only be used by Vitality members. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

3 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.

4 Mr and Mrs Smith: Up to a limit of two bookings per member per plan year. Bookings must be 32 days apart. Members need to book at least 4 weeks in advance.

5 Up to three trips a year with Eurostar – these discounts apply to adult, non-flexible Standard and Standard Premier return rail tickets. They don’t apply to Business Premier rail tickets