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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 and articles.
Our guides are for information only. They do not describe Vitality products or services.

Different types of life cover explained

  • Life insurance and beneficiaries

    What is a life insurance beneficiary? Find out everything you need to know about beneficiaries, putting life insurance into a trust, and more, in this guide.

  • Changing life insurance 

    Thinking of changing life insurance provider or product? Read our comprehensive guide on reviewing your cover, amending your policy and switching.

  • Life insurance for cancer patients

    Read our comprehensive guide to getting life insurance as a cancer survivor and how to make a claim after a diagnosis.

  • Life insurance for diabetics 

    Wondering how diabetes could affect your life insurance policy? Find out more about life insurance cover for type 1 and type 2 diabetics in this guide.

  • High-risk occupations

    Some jobs or lifestyles expose individuals to more danger. High-risk life insurance covers people who are at a higher risk. Learn how it works, here.

  • Income protection insurance

    Income protection insurance covers your monthly salary if you get sick and can't work.

  • Life insurance and medical records

    Do life insurance companies check medical records? And is it possible to get life insurance without medical history disclosure? Find out more in this guide.

  • Mortgage protection insurance

    Mortgage protection is a type of life insurance designed to pay off your mortgage.

  • Life insurance for moving abroad

    If you plan on moving overseas, it could affect your life insurance. Here’s what you need to know about life insurance for UK citizens living abroad.

  • Life insurance payouts

    Find out how life insurance payouts work, what to do if you receive one and answers to other key questions. Read our guide here.

  • Life insurance premiums

    How are life insurance premiums calculated? Here’s everything you need to know about premiums, how they’re calculated and things to consider.

  • Self-employed life insurance

    Self-employed and thinking about life insurance options? Read our guide to help understand how it works, what types you could consider, and if you need it.

  • Serious and critical illness cover

    Serious and critical illness cover pays out a lump sum if you are diagnosed with a serious condition. The condition may not be life threatening, but it still impacts your life.

  • Life insurance for smokers

    Wondering how smoking could affect your life insurance policy? Find out all you need to know when looking for a policy as a smoker, here.

  • Term life insurance

    Term life insurance gives you cover for a specific amount of time. You choose the term, and if you pass away or become ill during that term, your family receive a lump sum.

  • Whole of life insurance 

    Whole of life insurance covers you for your entire life. It guarantees a payout to your loved ones when you pass away or become terminally ill.

  • Life insurance for women

    The popularity of life insurance for women is continually rising. But do you need it? Read our guide to women’s life insurance and learn more.

Life insurance guides for different life stages

  • Life insurance for couples

    How is joint life insurance different to single cover? Find out the answer to this question and learn all about whether this is the best option for you and your partner.

  • Life insurance after divorce

    Dealing with life insurance after divorce can be complicated. Read our guide to learn what happens with different types of policy and changing beneficiaries.

  • Life insurance for you and your family

    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 first time home owners

    If you've just bought your first property, life insurance could help keep your loved ones protected. Find out how life insurance works for first-time buyers, here.

  • Life insurance and funeral planning

    Read our guide to life insurance and funeral cover, here. Learn about the policy options available, costs of a funeral and ways of paying for the ceremony.

  • 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.

  • Life insurance for retirees and over 50s

    Choose a life insurance plan that rewards you for being healthy, and protects you for the future. Explore how our life insurance options help over 50s today.

  • Life insurance when single

    Do you need life insurance if you’re single, and if so what are the benefits? Find out if insurance is right for you in our life insurance guide for singles.

  • Life insurance for young adults

    Getting life insurance as a young adult has its advantages. Read our guide to life insurance for young people to learn if it can benefit you.