Mortgage Protection Life Cover

Vitality Mortgage Plan offers a choice of benefits to include on your plan and the amount of cover you want. 

Fast, easy underwriting - Just five medical questions means you can be covered in a matter of minutes with Optimiser Underwriting**. 

Life Cover

Our comprehensive Mortgage Plan makes things quick, easy and stress-free. 

Protect your family's future and choose the level of your life cover to be:

- Decreasing, to match mortgage payments
- Level, where the amount of cover remains the same throughout the term
- Indexed, which annually increase the cover amount by the rate of the inflation

Income protection

Receive a regular income if you fall ill, injured or disabled and are as a result unable to work. Our Income Protection gives you a monthly tax-free income, which can be used to cover not only your mortgage, but also medical costs and other bills whilst recovering. 

Our 5-star defaqto rated Income Protection also includes:

- Financial support when you return to work, if you return with a reduced capacity and earn less than before you were off work. 
- An additional payment when you return to work to help you manage with any additional costs. 

Serious Illness Cover

Protect your financial future in the event of serious illness, with our tailored Serious Illness Cover Protector for comprehensive mortgage protection. 

- We cover for more conditions than any insurer, including heart attacks, strokes and cancers. We apply severity-based approach covering 145 conditions
- 77 conditions paid out at 100% to fully cover your mortgage when you suffer from the most severe conditions
- 68 conditions paid out between 15% and 75% to help you cover mortgage when you suffer from the most severe conditions
- Cover is fully protected for lower severity conditions ensuring the full sum assured will always be paid at 100% for conditions such as heart attacks, cancers or strokes, and on death. 
- Ability to make multiple lower severity claims, on progressive or unrelated conditions, up to 3 times the original cover amount. 

You can choose your amount of Serious Illness Cover independently from the Life Cover amount. 

For an even more comprehensive cover, choose from the extra cover options below. 

Optional Serious Illness Cover for Children
You could get a lump sum payment if your child suffers a serious illness. The amount we pay is between 15% and 100% of the cover amount, depending on the severity of the illness. If the pay-out is less than the cover amount, and your child's illness gets worse or they're diagnosed with another illness, they will still be covered and you can claim again. 

Waiver of Premium on Incapacity
Get your premiums waived if you are unable to work because of illness or injury.