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Our plans at-a-glance

We offer a number of different plans that can be tailored to suit your needs. Take a look below at what we offer, and find the plan that’s right for you.

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0808 252 3671

Plan feature  Life Cover Serious Illness Cover Income Protection Cover Mortgage Plus Plan
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 Pays out if you die



 Pays a lump sum if you’re diagnosed with a terminal illness




Pays a lump sum if you’re diagnosed with a serious illness. The amount we pay reflects the severity of the condition Get more on severity based payments



 -  Serious Illness Cover for Mortgages or Optional Serious Illness Cover for Children
 Pay a tax-free income if you can’t work due to illness or injury

   - if you suffer from one of the conditions we cover and can’t work as a result
Flexibility to add additional covers and options




Rewards and discounts for being healthy




 The option to add Vitality Optimiser for upfront premium discounts, cashback and rewards



 Minimum monthly premium  £8 with Essentials Plan £8 with Essentials Plan
£8 with Essentials Plan
£20 Mortgage Plus Plan
 Minimum age at start of plan 17 17 17 17
 Maximum age at start of plan 75 65  60 65
 Plan expiry age (excludes Whole of Life) 90 70 70 70
 
Plan available on Whole of Life term




 Minimum cover (Subject to minimum premium) £10,000
£10,000
£250 per month
Mortgage Life Cover:
£50,000 
Mortgage Incapacity Cover:
£250 per month
Maximum cover
£20,000,000
£3,000,0001
£16,666.67 per month2
Mortgage Life Cover:
£20,000,000
Mortgage Incapacity Cover:
  • Lower of:
    £2,000
  • Equivalent  monthly mortgage instalment*
                                                                                                                                                               
1Total combined Serious Illness Cover and Disability Cover
2With Comprehensive Cover
* The Maximum monthly mortgage instalment is based on the cover amount and the term of Mortgage Life Cover. We will use these figures to calculate the amount of the monthly mortgage instalment that would be payable on a monthly repayment mortgage with the same cover amount and term payable at an interest rate of 7%p.a. The resulting amount will be the ‘Maximum monthly mortgage instalment’. 

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9am – 5pm Saturday and Sunday

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