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Life insurance with

40% off monthly
gym membership

A joining fee will apply*.

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Your gym membership just got cheaper

We're the only life insurer to encourage and reward you for being healthy. We want to make it easier, cheaper and more rewarding for our members to have a good quality of life.

That's why we've partnered with three of the UK's leading gym networks - Virgin Active,  Nuffield Health and David Lloyd Clubs*. A joining fee will apply.

Minimum monthly premiums of £30 for a single policy. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £4.50.

Having the right footwear is key to enjoy activity to the full and to prevent injury. That's why we also partner with Runners Need to offer 50% off a pair of sport shoes**.


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0808 256 7135
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Our gym network partners

  • Virgin Active

    Join to get access to the best workout and relaxation facilities, including a high-spec gym, over 80 classes a week, pool and spa, and tennis courts and kids facilities at family clubs. You'll get all this at a discounted rate.

  • Nuffield Fitness & Wellbeing

    Get support with both your health and fitness, along with access to on-site personal trainers and physiotherapists, a wide range of group exercise classes, equipment to suit all fitness levels and, in most clubs, a pool.

  • David Lloyd Clubs

    Join David Lloyd and you can enjoy the latest gym equipment, swimming pools and spas (club dependent), and group exercise classes. Many of their clubs also have match-quality tennis, squash and badminton courts. Available at selected David Lloyd clubs.

Frequently asked questions

Do I need to have life insurance to get the gym offer?

Yes, you need to be a Vitality member to be eligible for the 40% membership.

If I track my activity at the gym with a fitness device or mobile app will I earn Vitality points?

Yes, you can earn a maximum of eight Vitality points per day and 40 points per week for getting active, so you can earn three points per day for visiting the gym and another five points for tracking your activity with a compatible fitness device or mobile app.

How do I know if the club I'd like to join offers the 40% discount?

Vitality members can use this offer at Virgin Active. Where there is not a Virgin Active nearby you can join selected Nuffield Health Fitness & Wellbeing Clubs or selected David Lloyd Clubs. See the full list of clubs included for more details.

Why isn't the club I'd like to join eligible for discount?

Vitality members can only join selected Nuffield Health Fitness & Wellbeing Clubs and selected David Lloyd Clubs where there is already a Virgin Active club in the area.

How are we different from other insurance providers?

We are the first insurance company to reward people for healthy living. We aim to be best at what we do, offering comprehensive and 5-star Defaqto rated Life cover. We help you take a more active role in managing your own wellness, which can encourage you to develop healthy long-term habits. As well as improving and maintaining your long-term health, you can also keep your premiums low by improving your Vitality health status.


How do we reward you for being healthy?

The healthy living programme helps you improve your health – and saves you money at the same time. Measuring your daily fitness efforts can earn you Vitality activity rewards if your plan is eligible. By linking an eligible activity tracking device or app to your Vitality Profile, you can automatically start tracking your steps, running, swimming or cycling. The Vitality healthy living programme is available with a Vitality Optimiser or Wellness Optimiser.

Why choose VitalityLife?

  • A brand you can trust

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    In 2018, we paid out 99.8% of all life insurance claims. ~Vitality internal data, May 2019

  • 5-star Defaqto rated Cover

    couple with laptop

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

  • Discounts and rewards

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    We help you getting active and reward you for doing so. Discounts and rewards with brands like Virgin Active, Starbucks and Vue Cinema.

Apple Watch Offer

VitalityLife members get Apple Watch Series 5 from £159 upfront. Minimum monthly premiums and T&Cs apply. Any monthly payments you make will be between £0 and £10, depending on your level of activity. You’ll need to agree to a customer credit agreement (0% APR) and set up a variable Direct Debit for 24 months.

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*Available with Wellness Optimiser for a small monthly fee. Applies to participating gyms in our Vitality Network.

Minimum monthly premiums of £30 for a single policy and £40 for a joint policy. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £4.50 per month. This offer does not apply to the Virgin Active Chiswick Riverside Health and Racquet club.

Flexible Individual Platinum membership fees at selected David Lloyd Clubs. A joining fee of £60 will apply.

**Offer applies to one pair of running shoes every year.

Apple Watch Series 5

Offer applies to selected Apple Watch Series 5 and Apple Watch Nike Series 5 40 mm or 44 mm models only. Offer only available to members aged 18 or over. Not available in the Channel Islands. Eligibility for this offer is subject to financial circumstances and status. Upon a 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 £289. The maximum RRP of Apple Watch under this offer is £529.00.

For VitalityLife, 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 tracking your level of activity in the previous month and could be between £0 and £10.00.

Minimum monthly premiums and terms and conditions apply.

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. 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 2019. View the full terms and conditions

View the full Apple Watch terms and conditions.