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Term life insurance

  • Cover from 5 to 70 years that pays out if you become seriously ill or pass away
  • Up to 40% off your premiums
  • Top rewards and savings to improve your health

Top-rated life insurance tailored to you

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What is Term life insurance?

Term life insurance is life insurance that covers you for a fixed period of time that you choose.

It covers if you're diagnosed as terminally ill or pass away. You or your family can use the payout for anything like, pay off the mortgage and other debts.

If cover for a fixed period isn't what you need, Whole of life insurance only ends when you pass away or stop paying the premiums.

Why choose a term life insurance plan?

You get cover that guarantees a payout for your loved ones during your plan term.

You’d choose a Term life plan if you want to:

  • pay off the mortgage or clear household bills other debts
  • support your children through education
  • your family may use the money to cover your funeral costs

Keep paying your premiums, to be sure you or your loved ones will get a lump sum payout.

Why Vitality Term life cover?

You get award-winning cover that can make you healthier and save you money.

With a Vitality Term life plan you get:

  • peace of mind that your loved ones will get a guaranteed payout when you pass away
  • improve your health, with our unique healthy living programme
  • if you haven't claimed due to illness and you die within the plan's term, your loved ones will get a payout.

A Term life insurance plan starts from £5 a month and you get up to 40% off your premiums in the first year*.

A brand you can trust - Last year, we paid out 99.7% of life cover claims4

*For plans with a monthly premium above £45 for a single plan, or above £60 for a joint plan - an extra £4.75 is charged to get the full range of rewards. 

Types of term life insurance

One size doesn't fit all. Choose the type of term to fit your personal needs.

Decreasing term insurance

The cover amount decreases roughly in line with the outstanding amount on a repayment loan. Ideal cover for your mortgage.

Level term insurance

The cover amount remains the same for the duration of your plan. It'll only change if something happens, like you make a claim or change your cover.

Increasing term insurance

The cover amount rises each year in line with inflation. This ensures that your cover keeps track of the cost of living.

How does term life insurance work?

Cover

Choose how much cover you need

We'll cover you for up to £18,000,000

Dial life

Choose how long you need cover

Cover can be from 5 to 70 years, to suit your needs

Cash

Pay your premiums

We work out monthly premiums based on things like your age and your current health

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Make a claim

During the plan term if you’re critically ill, you get a payout. If you weren’t ill but pass away, your loved ones get a payout

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Keep up with inflation

Protect yourself against the cost of living with indexation1. This makes sure your cover keeps its value, so it's worth the same when you need to claim in the future. Let’s explain.

Save on your Term life premiums and get rewarded

The healthier you are, the more you can save.

Up to 40% off you premiums

Enjoy real value as soon as your plan starts. The healthier you are, the lower your premium stays.2

Get help to stay healthy

We'll help you save money and get active, with tips and tools to understand and improve your health.

Top rewards and savings

Enjoy great savings on top brands, specially chosen to help you get healthier. Earn brilliant rewards, when you get healthier.3

Keep your premiums low

Get healthier, look after your health, the lower your premiums will be.

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Want some help?

You can always get free advice from one of our qualified experts. Just call us on 0808 271 8355

Or

Book a callback

We’re more than happy to help you find you the right cover, at a price that works for you. No obligations, no hidden charges.

How to make a claim on your Term life plan

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Make a claim

Call us on 0345 601 0072, email lifeclaims@vitality.co.uk or find out more.

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We'll assess the claim

Our team will keep you updated on the progress of your claim.

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Payment

When the claim is approved, they'll get a lump sum into the nominated bank account.

Call charge information

Calls to ‘03’ numbers cost no more than a national rate call to an 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.

Term life FAQs

Sources

1 Indexation changes your premium and your cover amount each year in line with the Retail Prices Index (RPI). This amount is rounded up to the nearest 0.25% and will never increase more than 10% a year.

2 Only available when you add Optimiser to your plan. An extra monthly fee of £4.75 per person may apply. Get an up upfront discount of 40% on Whole of Life insurance or up to 30% discount on Term life insurance. Minimise your premium increase by looking after your health and building your Vitality status.

3 To get the full range of rewards, you need to have a monthly premium above £45 for a single plan, or above £60 for a joint plan. An extra monthly charge of £4.75 a person may apply.

4Vitality Claims and Benefits Report 2024