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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.

40% off monthly gym fees

Gym discount available at participating Virgin Active, Nuffield Health Fitness & Wellbeing or David Lloyds Clubs. Minimum monthly premiums and terms and conditions apply. 

Having the right footwear is key to enjoy activity to the full and to prevent injury. That's why we also partner with Sweatshop to offer 50% off a pair of sport shoes4. Sweatshop will cease to be a Vitality Reward Partner on 31st December 2018. From 1st January 2019, Vitality members will be able to get 50% discount on specialist running shoes from Runners Need.

Learn more

Our personal protection options

We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.

  • Life Cover

    Pays a cash lump sum if you die.

  • Serious Illness Cover

    Pays a lump sum if you're diagnosed with one of the conditions we cover.

  • Income Protection Insurance

    Pays you a monthly income if you get sick or injured and can't work.

  • Mortgage Protection Insurance

    Helps you to pay your mortgage if you get ill and can't work.

Life Cover frequently asked questions

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 life insurance to cover you from a minimum of five years and up to your entire life. 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. The premium will be higher if you take advantage of our extended rewards and discounts.

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

Discounts, savings and rewards.
  • Virgin Active Logo in White
  • Cineworld and Vue white logos
  • British Airways white logo
  • Starbucks white logo
  • Champneys white logo
  • Polar white logo
  • Weightwatchers white logo
  • Evans Cycles white logo
  • Garmin white logo
Find out more

Why choose VitalityLife?

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

  • Award-winning protection

    5-star Defaqto ratings for our core insurance products.

  • Amazing rewards

    Get our exclusive partner rewards for being healthy.

  • Discounts and cashback

    Save on your protection premiums and earn cashback every year. 

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Phone icon Call us on
0161 2167 595

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - 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.