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.
WHAT IT IS
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.
HOW IT HELPS
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.
Get something in return for your premiums
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.
Up to 40% off life insurance
Our 5-star award-winning protection just got cheaper!
Get a discount of up to 40% off your monthly premiums when you take out a life insurance policy with Wellness Optimiser.
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.
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?
How do you work out the price of my life insurance?
How long should I take out life insurance for?
What are the minimum monthly premium and minimum cover amounts?
Get our best savings and rewards
Why choose VitalityLife?
Choose confidently with award-winning Life Cover. Our parent company Discovery cover 7.5 million customers worldwide.
5-star Defaqto ratings for our core insurance products.
Get our exclusive partner rewards for being healthy.
Discounts and cashback
Save on your protection premiums and earn cashback every year.
All it takes is a couple of minutes.Get a quote
0161 2167 595
Speak to a VitalityLife adviser for tailored advice.
8am - 8pm Monday to Friday
9am - 5pm Saturday and Sunday
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.