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Life Cover

Protect what matters, wherever you are in life

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Award-winning Life Cover

Whether you're single, in a relationship, have children or getting ready to retire, life insurance can give you – and those you love most - the precious reassurance that comes with knowing the future is more financially secure.

Life Cover pays out a sum of money to your family or a nominated person when you die. With our 5-star Defaqto cover, you can either take out Term Life Insurance for a fixed number of years; or Whole of Life Insurance for the rest of your life.

By taking out Life Cover, you know that your actions today will give your family some extra welcome help tomorrow. If the worst should happen to you, we can help with such things as paying off your debts, household bills or mortgage repayments, to give your family a little extra support when they need it most.

Five star Defaqto rating Life Assurance

Get something in return for your premiums

As the insurer that rewards you for staying healthy, take out a VitalityLife plan with Wellness Optimiser and you can earn some big money-saving rewards, such as:
  • Get an upfront premium discount of up to 60% on Whole of Life cover and 40% on Fixed Term cover

  • Up to £125 cashback each year

  • Up to 25% off healthy food with Ocado1

  • A weekly reward cinema ticket at Cineworld or Vue2

  • Up to 40% off return economy flights to the UK and Europe with British Airways3

  • And many more besides.

Limited time offer!

One month free cover

Our 5-star award-winning protection just got cheaper!

Join by 31 August and get your first month’s cover free with selected VitalityLife plans. 

Learn more

Get the best cover for your needs

Who would you like to protect?

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    Cover just for me

    Explore the best protection options for singles.

  • couple wading in beach

    Cover for me and my partner

    Explore the best protection options for couples.

  • woman riding bikes with kids

    Cover for me and my family

    Explore the best protection options for families.

  • friends smiling

    Cover for when I'm retired

    Explore the best protection options if you’re nearing retirement.

Life Cover frequently asked questions

Your questions answered

Why should I buy life insurance?

It depends on where you are in life. However, for many people, life insurance is an excellent way to protect the things that mean the most to you – such as making sure your family’s financial future is more secure if something unexpected happens to you.

How do you work out the price of my life insurance?

Your premiums are based on lots of things, such as your age, height and weight; your health; whether you’re employed in a high-risk occupation; and whether you smoke.

How long should I take out life insurance for?

It’s really entirely up to you. We offer a minimum term of five years and a maximum term of your entire life, with Whole of Life insurance. Before you decide, we recommend you talk to a VitalityLife Adviser, so that they can design a plan around what works specifically for you.

What are the minimum monthly premium and minimum cover amounts?

The minimum monthly premium for life insurance at VitalityLife is £8 and the minimum cover amount is £10,000. However, the level of cover you’ll get for £8 a month will depend on your age; height and weight; whether or not you smoke; general health and your medical history.

Making the right choice

Explore our different insurance options to see which one’s right for you.
Learn more

Get our best savings and rewards

Exclusive discounts, savings and rewards.
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Why choose VitalityLife?

Choose confidently with award-winning Life Cover. Our parent company Discovery cover 7.5 million customers worldwide.

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    Award-winning protection

    5-star Defaqto ratings for our core insurance products.

  • woman at cinema with popcorn

    Amazing rewards

    Get our exclusive partner rewards for being healthy.

  • relaxing on the beach

    Discounts and cashback

    Save on your protection premiums and earn cashback every year. 

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0161 2167 595

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Sunday 

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1Discount between 10-25% and applies to the first £100 of healthy food and drink each month. Minimum monthly premiums, terms & exclusions apply. Ocado delivery restrictions apply.

2 Members on Bronze or Silver Vitality status will need to earn 12 Vitality points in a week for getting active to unlock their cinema ticket. Codes are not valid for viewings at Cineworld Leicester Square or for alternative content and special showings. Upgrades for 3D and 4DX films are available at Cineworld for an additional cost. Upgrades for 3D films and VIP seats are available at Vue for an additional cost. VIP seats can only be booked at the cinema and not online. Cinema ticket voucher codes can only be used by Vitality members. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

3 Applies to return economy flights to selected domestic and short haul destinations within the UK and Europe and includes taxes and charges. The discount is subject to a minimum stay depending on the day of departure. Two nights overnight stay needed for Sunday to Thursday departures, and one night overnight stay needed for Friday and Saturday departures. You can book up to two trips a year depending on your Vitality status. Please note that if you pay by credit card, a separate credit card fee will apply. The discount applies to standard, hand baggage only, semi-flexible and fully-flexible fares. The discount does not apply to optional extras such as special baggage fees.