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Mortgage Protection Insurance

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Five-star rated cover

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 Wellness Optimiser and you can earn some big money-saving rewards right from the start of your plan, 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

  • 40% 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.

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. Minimum premiums and T&Cs apply.

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Mortgage Protection Insurance options

See what we offer.
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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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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.

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 – 9pm Monday to Thursday
8am – 7pm Friday
9am – 5pm Saturday
Closed – Sunday

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* Based on an individual taking out a plan with Wellness Optimiser or Vitality Optimiser for £30 per month, with an additional monthly fee of £3.80 for Wellness Optimiser or 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  Members on Bronze or Silver Vitality status will need to earn nine 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