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 policy, plan or product. It just refers to a life insurance plan.
Do I need life insurance for my 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?
Below are some of the award-winning cover options that we offer. You can choose one plan, or combine options so it's personalised for you and your family.
This pays out a tax-free lump sum to you or your family if you become terminally ill or die. For lifetime cover, and a guaranteed payout, there's whole of life insurance. For cover between five and 70 years, there's term life insurance. Not sure what's the best plan for you? Compare life insurance options.
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. It can pay out up to 60% of your salary, but the payout is tax-free so it should replace most of it.
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. You can use the money for things like medical treatments and paying the household bills. There's also Serious Illness Cover for children which you can add to your plan.
Mortgage protection insurance
Mortgage protection pays off the rest of your loan if you become ill or die during the policy. This means your family could keep their home.
Why choose Vitality’s life insurance for your family?
✓ Get a discount on your monthly premiums when you add Optimiser to your plan - Up to 30% off when you choose term life insurance, and up 40% off when you choose whole of life insurance
✓ Access to Vitality partner discounts and rewards - Add your children to your plan and get discounts at the Disney Store and more
✓ Free no-obligation advice - Our advisers offer free, expert advice
✓ Add children to your plan - Add more children to your plan without further underwriting.
Relevant guides and articles
Life insurance for families
Protect your family by taking out a life insurance plan. Choose from a range of award-winning cover options from Vitality today.
Life insurance for parents
Life insurance for parents includes a variety of policies that mean your loved ones will be covered if you die. Read our guide for new parents.
Income protection insurance
Income protection insurance covers your monthly salary if you get sick and can't work.
Life insurance for families FAQs
Can I add my parents to my insurance?
Can I change my plan later?
Can I take out life insurance while pregnant?
Could life insurance help me cover the cost of having a baby?
Is a spouse a dependent?
1This comparison is based the differences between Serious Illness Cover and other covers.These are interpreted by VitalityLife and Defaqto at 11/11/2019. The comparison excludes any special offers or promotions. This cover comparison information is for personal use and is guidance only. It isn't a contractual representation, warranty or obligation about the: Completeness; Accuracy; Reliability; Suitability; Or availability of the comparison. Neither party accept any liability for: Errors; Omissions; Direct or consequential loss in relation to this comparison.