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Life insurance that gives you

Weekly handcrafted drink at Starbucks

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Relax over a well-earned Starbucks

Take out our 5-star award-winning life insurance, get active and enjoy your favourite coffee, or a range of other drinks, every week at Starbucks. With a weekly handcrafted drink, you could save over £135 per year.1

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


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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.

Apple Watch Offer

Join VitalityLife and you could get Apple Watch Series 4 GPS from £99 and pay nothing more if you stay active and track your activity to earn Vitality points.

Minimum monthly premiums and T&Cs apply. Any monthly payment you make will be between £0 and £12.50, depending on your level of activity. You'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months^. Offer end 15 January.

We will be extending the limited offer for Apple Watch for VitalityLife and VitalityInvest customers until 24 January 2019 and not 15 January 2019 as advertised.

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

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*.

  • Cinema tickets

    Get active and keep motivated with cinema tickets for Vue or Cineworld**. 

  • 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***. 

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Important information

1Minimum 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.

Offer is valid for participating Starbucks stores and does not include Venti and seasonal specials. You need to earn 12 activity points in a week and upload your data to your account by Sunday evening to be eligible for a drink the following Thursday.
Each adult member on your plan will need to link their own Starbucks Rewards account to Vitality to be eligible for drinks. 

2Discount 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 1 night overnight stay needed for Friday and Saturday departures. You can book a maximum of two discounted trips per 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.

Savings based on one Grande Caffe Latte each week at £2.60.

* 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.
**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.
Details correct as of February 2017. Terms and conditions apply at

^£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.

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