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Life insurance with

40% off
Virgin Active
monthly gym fees

A joining fee will apply*.

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Get fitter for less

Take out life insurance with Wellness Optimiser and you'll get 40% off flexible monthly gym membership at Virgin Active*. A joining fee will apply. Minimum monthly premiums and T&Cs apply.

When you join Virgin Active you’ll get access to the most modern, innovative workout equipment and cutting-edge classes. Expert instructors are on hand to help create a health and fitness experience designed entirely around you and your goals.

You and your family will feel at home in clubs across the country with access to fitness programmes, swim lessons and activity camps in a safe and fun environment. You’ll find something for everyone.

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

virgin active
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0808 271 8677

Our personal protection options

We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.

  • Life Cover

    Pays a cash lump sum if you die.

  • Serious Illness Cover

    Pays a lump sum if you're diagnosed with one of the conditions we cover.

  • Income Protection Insurance

    Pays you a monthly income if you get sick or injured and can't work.

  • Mortgage Protection Insurance

    Helps you to pay your mortgage if you get ill and can't work.

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.


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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. Everyone will get an upfront discount from day one. And if you keep active, your discount could increase even further. After the first year, your premium could go up or down depending on how active you are. Minimum premiums and terms and conditions apply.
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* Applies to participating Virgin Active gyms.

Minimum monthly premiums of £30 for a single policy and £40 for a joint policy apply. 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.

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

^Available with certain VitalityLife products. For VitalityLife, you’ll need to add Wellness Optimiser or Vitality Optimiser at £4.50 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.

Apple Watch Series 4

Offer applies to selected Apple Watch Series 4 and Apple Watch Nike+ Series 4 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 £189. The maximum RRP of Apple Watch under this offer is £429.00.

For VitalityLife or VitalityInvest, 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.

Apple Watch Series 3

Offer applies to selected Apple Watch Series 3 and Apple Watch Nike+ Series 3 GPS 38mm or 42mm 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 £99. The maximum RRP of Apple Watch under this offer is £309.

For VitalityLife or VitalityInvest, 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 £8.75.

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 January 2019. View the full terms and conditions