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Life insurance guides

New to life insurance and not sure where to begin? Find out everything you need to know in our range of guides.

Different types of life insurance explained

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Income Protection vs Life Insurance: What's the difference?

There’s a wide variety of insurance policies, all designed to help support you or your family financially. And it can be easy to confuse which type of policy does what.

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Life Assurance vs Life Insurance: What's the difference?

It’s easy to think that life assurance and life insurance are the same thing. They certainly sound very similar and are sometimes used interchangeably. But there are key differences between the two types of product, which are useful to know so that you buy the right cover. In this guide we’ll explain these differences and how each one works. This should give you a clear understanding of the differences between life assurance and life insurance.

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What is mortgage protection insurance

Mortgage protection insurance is a type of life insurance that covers your mortgage payments if something unexpected happens. If you become terminally ill, or pass away, it pays off the rest of your mortgage.

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Death-In-Service Benefit vs Life Insurance

What is a death-in-service benefit? Learn how it works, how it's calculated, and whether you need life insurance if you have a death-in-service benefit.

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Life insurance guides for different life stages

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Joint life insurance explained

If you’re looking for a life insurance policy for couples, you may wonder about the benefits of joint life insurance. This guide can help you pick the best option.

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How does life insurance work for cancer patients and survivors?

Discover in this guide how cancer patients and survivors in the UK can access life insurance. Learn about eligibility, cover types and protecting your family.

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Singles

Life insurance pays out a sum of money to your loved ones when you pass away, and the money can be used for anything. People often think of life insurance as a product for married people or those with children. But life insurance for single-person households is also common and has benefits.

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Life insurance and mental health explained

This guide covers how mental health conditions may impact life cover. We look at life insurance for conditions such as depression, anxiety and bi-polar. As well as exploring what insurers might ask during your application.

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Life insurance terms explained

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Life insurance beneficiaries explained

What is a life insurance beneficiary? Find out everything you need to know about beneficiaries, putting life insurance into a trust, and more. This guide is provided for general educational purposes only. It is intended to describe the wider insurance market and does not relate specifically to Vitality products or services.

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Life insurance premiums explained

When choosing life insurance, understanding how premiums work is key to making confident, informed decisions. Your premium is the amount you pay to keep your cover active, and it’s influenced by several factors, including your age, health, lifestyle, and the type and amount of cover you choose.

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Life insurance payouts explained

Wondering how life insurance payouts work and what to do if you get one? This guide answers all your questions.

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Other life insurance guides

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Life insurance for smokers

Life insurance for smokers is still available, but it will generally cost more than it would for a non-smoker. This is because of the higher risk of death and disease associated with smoking. In this guide we cover everything you need to know about smoking and life insurance. We also look at what happens if you quit smoking. It goes without saying that kicking the habit will be better for your health and your finances in the long run.

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by Vitality
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Life insurance application explained

Wondering how to fill out a life insurance application? Take a look at what information you need to provide and why.

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Life insurance and inheritance tax

Find out what inheritance tax is, what is the inheritance tax threshold, and how you can use a life insurance policy to help pay an inheritance tax bill.

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What happens to your debt when you die?

Learn what happens to debts when someone dies. This guide explains whether debts can be inherited and what happens to credit card and mortgage liabilities.

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