Life insurance for families
- Help protect your family's financial future
- Help cover costs such as a mortgage, rent, bills and childcare
- Choose cover that works for your family's needs and budget
Top-rated life insurance tailored to you
Protect your family's financial security for the future
No matter the shape or size of your family, having the right financial protection can provide valuable peace of mind. Life insurance could pay a cash lump sum if you pass away or are diagnosed with a terminal illness during the plan term, helping your loved ones manage important costs and plans for the future. 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.
What would your family need help with?
Whether you're no longer here, become seriously ill, or can't work because of illness or injury, having the right cover in place could help protect the people who depend on you financially.
- Mortgage or rent - Help your family stay in the home they love.
- Everyday living costs - Help with household bills, food, travel and other day-to-day expenses.
- Childcare and caring costs - Provide financial support for childcare or other caring responsibilities.
- Education and future plans - Help contribute towards school, university or other future goals.
- Outstanding debts - Help cover loans, credit cards or other financial commitments.
- Funeral costs - Provide financial support for immediate expenses when your family may need it most.
What's the best type of life insurance cover for my family?
Life insurance
Can pay 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
Our version of critical 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're sick or injured 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 life insurance can provide a lump sum which can be used to pay off the outstanding mortgage if the person covered dies during the plan term. More on mortgage protection insurance
Single or joint life insurance?
If you're applying as a couple, you may be wondering whether to choose single or joint cover.
Single cover
- Covers one person.
- Each person's cover remains separate.
- The other person's cover can continue if one plan pays out.
Joint cover
- Covers two people under one plan.
- Usually pays out once after the first death during the plan term.
- The plan normally ends after a successful claim.
Why choose Vitality’s life insurance for your family?
- A brand you can trust - We paid 99.4% of all life cover claims in 2025 (VitalityLife Claims and Shared Value Report 2026).
- 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.
- Cover future additions to your family - Add eligible children to your plan later 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.
- Add Child Serious Illness Cover for £7.50 a month, and get access to the Vitality Programme for your kids
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?
You can always get free advice from one of our qualified experts. Call us on 0330 678 3328 to speak to an adviser.
Or
We’re more than happy to help you find the right cover, at a price that works for you. No obligations, no hidden charges.
