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Life insurance with

40% off monthly
gym membership

And no joining fee until 24th February*.

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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. With no joining fee until 24th February at selected Virgin Active and Nuffield Health Fitness & Wellbeing Clubs*.

Minimum monthly premiums of £30 for a single policy. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £3.80* (changing to £4.50 per month from 23 February 2019).

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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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.

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.

Apple Watch Offer

VitalityLife members get Apple Watch Series 4 from £159 upfront. Minimum monthly premiums and T&Cs apply. Any monthly payments you make will be between £0 and £8.75, 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.

Over 80,000 members have claimed the watch and we’ve seen a 40% increase in physical activity as a result. Vitality data, November 2018.

Learn more

Get our best savings and rewards

Up to 40% off life insurance premiums plus access to our exclusive rewards partners with Wellness Optimiser

  • Up to 25% off Ocado healthy food. Save up to £300 per year1
  • Get cinema tickets for Cineworld or Vue.2
  • Get up to 40% off British Airways return economy flights to the UK and Europe. Saving you up to £230 per year3
  • Get a weekly handcrafted drink at Starbucks. Save over £135 per year.4
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*Available with Wellness Optimiser for a small monthly fee. Applies to participating gyms in our Vitality Network. 

Members must join Vitality between 01.01.19 and 24.02.19 inclusive and join a participating Virgin Active or Nuffield Health Fitness & Wellbeing club by 28.02.19 inclusive to benefit from the no joining fee offer. 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 £3.80 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 applies.

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

^£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.

Please note from 23 February 2019 the monthly fee for Wellness and Vitality Optimiser will increase to £4.50 per adult life. These changes are due to inflation and to reflect the evolving enhancements of the Vitality Programme.

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

1 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.

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. 

Applies to return economy flights to selected domestic and short haul destinations and includes taxes and charges. The discount is subject to a minimum stay depending on the day of departure. Two nights overnight stay needed for Sunday to Thursday departures, and one night overnight stay needed for Friday and Saturday departures. You can book up to two trips a year depending on your Vitality status. Please note that if you pay by credit card, a separate credit card fee will apply. The discount applies to standard, hand baggage only, semi-flexible and fully-flexible fares. The discount does not apply to optional extras such as special baggage fees.

The British Airways discount is based on a member on Platinum status booking one return flight from LHR to Rome departing 05/08/2016 and returning 08/08/2016 for £579.11 including taxes and charges.

Based on one Grande Caffe Latte each week at £2.60.

Vitality statistics, 2017