Life insurance for families
5 Star Defaqto rated cover to protect your nearest and dearest.
Protect your family's financial security for the future
If you couldn't work, or you passed away, a life insurance payout would help your family's finances. They could use the money to pay off debts, like the rest of your mortgage.
Family life insurance isn't a standalone plan or product. It just refers to a life insurance plan.
How much life insurance do you and your family need?
Call us on 0330 678 3328 to speak to an expert adviser or get a quote.
Do I need life insurance for my family?
It's common for people to consider life insurance if:
- You are the main earner in your family
- You don’t have enough savings to cover your outgoings if you weren't earning
- You're about to start a family or already have children
- You couldn't pay for your child's school or university fees if you weren't earning.
What's the best type of life insurance cover for my family?
Life insurance
This pays out a tax-free lump sum to you or your family if you become terminally ill or die. More on life insurance
Serious Illness Cover
You can add Serious Illness Cover to a life insurance plan or buy it as a standalone plan. If you're diagnosed with a serious illness we cover, you'll receive a lump sum payout. More on Serious Illness Cover
Income protection insurance
If you get sick and can't work, income protection insurance pays you part of your monthly income. It's tax free and helps you protect your finances while you recover. More on income protection insurance
Mortgage protection insurance
Mortgage protection pays off the rest of your loan if you become ill or die during the plan. This means your family could keep their home. More on mortgage protection insurance
Why choose Vitality’s life insurance for your family?
- A brand you can trust - We paid 98.9% of all life cover claims in 2024 (VitalityLife Claims and Shared Value Report 2025).
- Affordable cover - Get discounted premiums when you add Optimiser to your plan. Plus, get active and you could keep your premiums lower.
- Access to Vitality partner discounts and rewards - Add your children to your plan and get them discounts at top brands, like Garmin.
- Add children to your plan - Add more children to your plan without further underwriting.
- Vitality Plus members - one adult member can book a Vitality Healthcheck at no cost within the first year. Further health checks on the plan for £12.50 per member.
- Free no-obligation advice - Our advisers offer free, expert advice.
Better rewards with the Vitality Programme
At Vitality, it's not just insurance, get active and be rewarded.
By getting active each week, you can earn a maximum of 8 Vitality points per day and up to 40 Vitality points per week.
- Kickstart your fitness journey and understand your health better with a Vitality Healthcheck.
- Get active to earn discounts and rewards from our partners.
- The healthier your efforts, the more points you earn, which contribute to your Vitality status: Bronze, Silver, Gold or Platinum.
- Access the Vitality Programme for children at no extra cost with Child Serious Illness Cover.
Find out more about the Vitality Programme
In case of emergencies add Accident and Fracture Cover
Simply add it on to any Vitality life insurance plan for £7.50 per adult, per month, and get payouts for fractures, accidents and emergency surgery. Plus, with access to physio*, you’ll soon be back to doing the things you love.
*Up to six physio sessions available per valid claim.
How much cover do I need?
Call us on 0330 678 3328 to speak to an adviser.
