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Up to 40% off life insurance premiums

You could save up to £180 per year*.

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Protect what matters the most

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.

Plus get access to some of our exclusive partners and rewards including Apple Watch, Virgin Active, Ocado and British Airways.


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Get an quote online in minutes or
call a VitalityLife adviser on 
0808 252 3670

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

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    Pays a cash lump sum if you die.

  • Serious Illness Cover

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

  • Income Protection Insurance

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

  • Mortgage Protection Insurance

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

Insurance that rewards you for being healthy

Check out some of our Vitality Partners

  • Healthy food with Ocado

    vegetables on table

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

  • Apple Watch

    Get an Apple Watch Series 2 or Apple Watch Nike+ from £69 and then fund the remaining balance by getting active. Pay £69 upfront and monthly payment £0-£12.50 depending on your activity. 0% APR. Variable Direct Debit for 24 months**. 

  • Explore Europe and the UK

    lady holding suitcases

    Whether you’re looking to indulge in the delicacies of Paris, sightsee in Rome or trial the nightlife in Ibiza, VitalityLife can help you get there for less with British Airways***. 

Is Life Insurance for me?

If you have anyone financially dependent on you, such as a partner, sibling, children or even an aging parent, then life insurance is for you.

Should there be a serious illness or loss in your family, a life insurance policy would offer financial support and peace of mind. Life insurance can help with paying off debts, household bills, childcare costs and account for your mortgage payments.

With our 5-star Defaqto cover, you can either take out Term Life insurance that will cover you for a fixed period of time, or Whole of Life Insurance that covers you as long as you need it.

Explore our options
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Speak to a VitalityLife adviser for tailored advice.
Lines open: 
8am – 8pm Monday to Friday
9am – 5pm Saturday and Sunday

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*If you take out £150,000 cover over 25 years.

**Minimum monthly protection premiums 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.

1 If you have more than one adult on your plan, you each need to earn nine 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. The cinema saving is based on one adult cinema ticket per week at Vue Islington at £12.79 per ticket.

2 For VitalityLife, this offer is only available with Vitality Plus for an additional monthly fee of £5.00 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. Minimum monthly premiums apply. Offer applies to selected Apple Watch Series 2 and Apple Watch Nike+ models. Initial upfront payment will vary depending on model. Over 18s only. A credit check and eligibility criteria applies. Subject to status. Monthly payments depend on your level of activity and could be between £0 and £12.50. Exclusive lender is PayBreak Limited. Excludes Channel Islands and Isle of Man. 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.

3 Up to 40% 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.