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Mortgage Protection Insurance

Call us on 0161 216 7595

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A mortgage is one of the largest financial commitments you’ll ever make. If something were to happen to you, could your finances cope? To help keep the roof over your head, we’ve created two types of mortgage protection cover under our flexible and comprehensive Mortgage Plus Plan.

Mortgage Plus Plan includes both Mortgage Incapacity Cover and Mortgage Life Cover. Mortgage Incapacity Cover gives you up to 24 monthly payments, if you get injured or become ill with one of the conditions we cover and can’t work. Alternatively, Mortgage Life Cover pays off your mortgage if you die.

If you couldn’t work – with the inevitable strain that would put on your savings – knowing your biggest monthly bill is covered can help ease the financial pressure and stress of illness.

Get something in return for your premiums

As the insurer that rewards you for staying healthy, take out a plan that includes Vitality Optimiser and you can earn some big money-saving rewards right from the start of your plan, such as:
  • Up to 47% upfront discount on your premiums

  • Up to £100 cashback each year

  • 50% off Virgin Active monthly gym membership fees

    (a joining fee applies)1

  • A weekly reward cinema ticket at Cineworld or Vue2

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

  • And many more besides.

Mortgage Protection Insurance options

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Making the right choice

Explore our different insurance options to see which one’s right for you.
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Get the best cover for your needs

Who would you like to protect?
  • Lady in park smiling

    Cover just for me

    Explore the best protection options for singles.

  • Couple wading in the beach

    Cover for me and my partner

    Explore the best protection options for couples.

  • Woman and children on bikes

    Cover for me and my family

    Explore the best protection options for families.

  • Two middle aged woman smiling

    Cover for when I'm retired

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

Get our best savings and rewards

Exclusive discounts, savings and rewards.
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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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* Based on an individual taking out a plan with Vitality Optimiser for £20 per month, with an additional monthly fee of £3.30 for Vitality Optimiser. Premiums are charged on a monthly basis.
1   Flexible individual monthly membership. Joining fees are up to £50 for all clubs except Classic Collection clubs, where joining fees are up to £150. This offer does not apply to the Chiswick Riverside Health & Racquet Club.
2  The cinema offer applies at Vue and Cineworld with a maximum of one ticket per week per person covered on the plan. Codes are not valid for 3D films, alternative content and special showings. Excludes viewings at Cineworld Leicester Square.
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