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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% on 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 Virgin Active, Ocado and British Airways.


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

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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.

Insurance that rewards you for being healthy

Check out some of our Vitality Partners

  • Healthy food with Ocado

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

  • Explore Europe and the UK

    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^^^. 

  • 40% Gym Membership

    We've partnered with two of the UK's leading gym networks to offer you 40% off gym membership. And no joining fee at participating gyms until 24th February^^^.

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

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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Vitality Plus may also be added within three months of the plan's start date or at each anniversary of the plan. Further terms and conditions apply.

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

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

^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

^^Up to 40% applies to return economy flights to the UK and Europe, including 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.

^^^ 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 apply. Available with Wellness Optimiser or Vitality Optimiser for an additional fee of £3.80 per month.

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.

^^^^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.