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Compare life insurance options

Life insurance for every life stage

Whether you’re married, retired or starting a family, we offer a range of life insurance plans to suit your needs. Look at what we offer below, and find the plan that’s right for you.

Life insurance

Pays out a tax-free lump sum to your loved ones when you die, or to you if you become terminally ill.

  • Term life insurance pays out if you die during the policy term
  • Whole of life insurance pays out to your family when you pass away
  • Joint life insurance is cover for you and your partner.

More plan details:

Serious Illness Cover

You can add Serious Illness Cover to a life insurance plan or buy as a standalone plan.

It pays out a lump sum if you’re diagnosed with a serious illness we cover.

  • The amount we pay reflects the severity of the condition
  • We cover more conditions than any other insurer, including 60 unique conditions1
  • Claim multiple times, up to three times your level of cover
  • Dementia and FrailCare cover included as standard for qualifying plans 

More plan details:

  • Premiums start from £5 a month
  • Choose a cover amount between £10,000 to £3 million
  • Minimum age you need to be to buy a plan - 16
  • Maximum age you can be to buy a plan - 69
  • Plan must end by your 75th birthday
  • Includes access to partner discounts and rewards.

Income protection insurance

It pays out a tax-free monthly income if you can’t work due to injury or illness.

Income protection insurance helps ensure your financial security during your lifetime.

More plan details

  • Premiums start from £5 a month
  • Choose a cover amount between £250 and £16,666.67 per month
  • Minimum age you need to be to buy a plan - 16
  • Maximum age you can be to buy a plan - 59
  • Plan must end by your 70th birthday
  • Includes access to  partner discounts and rewards.

You can also boost your payout by up to 20% for six months if you member engage with the Vitality Programme.

Mortgage protection insurance

Pays off your mortgage, or any other loans if you become terminally ill or die during the policy term.

It means your family can pay off any remaining debt and have one less thing to worry about.

  • Premiums start from £5 a month
  • Choose a cover amount between £50,000 and £18,000,000
  • Minimum age you need to be to buy a plan - 16
  • Maximum age you can be to buy a plan - 74
  • Plan must end by your 90th birthday
  • Includes access to  partner discounts and rewards.
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Call centre opening hours:

Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm
Closed: Sunday and bank holidays.

Call charge information

Calls to ‘03’ numbers cost no more than a national rate call to an 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.
rewards

Get rewarded with Vitality

Our health and life cover comes with great rewards that help you stay healthy. Because we want you to feel your best.

You get:

  • Tools to understand your health. So you can identify risks early and get tips to improve.
  • Discounts at top brands - like on a gym membership and fitness trackers - to help you get healthy.
  • Rewards for staying active - like discounts on hotel bookings and cashback on healthy food. And, choose your own rewards every week in the Vitality UK app

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Sources

1 All plans cover more conditions, Serious Illness Cover 3X has 60 unique conditions - Defaqto 2024