Take out a life insurance policy with Wellness Optimiser and you could get up to 45% off term life insurance plus the chance to earn annual cashback.
If you have type 2 diabetes, taking out life insurance with Wellness Optimiser can be a great way to reward you for staying on top of and controlling your condition. It encourages you to know your health and also rewards you for taking steps to maintain or improve it with help from our healthy living rewards partners.
And because we recognise that you may need to work harder to maintain or improve your health, we give you a bigger upfront discount.
Get a discount on your monthly premiums from day one
The upfront discount you’ll receive will depend on the term of your policy:
|Fixed Term (Years)||Your Upfront Discount|
Earn annual cashback
As long as you have taken a health check or health screen in your plan year, you’ll be eligible for annual cashback. The amount of cashback you receive is determined by your Vitality status. You can improve your status by collecting Vitality points. The more points you get the higher your status (and rewards) will be.
|If one person is covered||No cashback||No cashback||£50||£125|
|If two people are covered||No cashback||No cashback||£100||£250|
Any cashback we give you may be subject to tax. This might affect your personal tax position. Contact a Financial Adviser or Her Majesty’s Revenue & Customs (hmrc.gov.uk) to find out more.
Take the steps to help you understand and know your health
As diabetes can have such a major impact on your life, Wellness Optimiser requires you to have a health check at least once every year at a special discounted rate of £10* - to measure your key lifestyle-related health factors.
This identifies whether each of these health factors are within a healthy range or if you need to take action to improve your health.
|Body Mass Index (BMI)||18.5 - 24.9 kg/m2
18.5 - 29.9kg/m2 for men with waist measurement less than 103cm, and for women with a waist measurement less than 88cm.
|Blood Pressure||90 - 120 mmHg (systolic) | 60 - 80 mmHg (diastolic)|
|Cholesterol||Men - a ratio of high-density lipoprotein (HDL) in total*** cholesterol level of greater than 22%.
Women - a ratio of high-density lipoprotein (HDL) in total*** cholesterol level of greater than 25%.
|HbA1c - you will be required to submit your own GP results||Less than 59mmol/mol, equivalent to 7.5% or below|
Get rewarded for staying healthy over the long-term
By improving (or maintaining) your Wellness and Vitality statuses, you can control how much your premiums change from year to year, like this:
*Your maximum premium reduction, due to annual premium adjustments on Wellness Optimiser is capped at 5%.
To recognise the extra effort needed to stay active as you get older, once you get to 80 years of age the number of Vitality points you need to determine your annual premium changes reduces by 50% and you no longer have to take a health check with Vitality. Also, your premiums will only change based on your Vitality status – as though you had a Wellness status of Select.
Please make sure you follow any specific medical advice given to you by your GP or appropriate medical specialist. You should always comply with the HbA1c levels advised by your GP or treating specialist. If your GP or appropriate medical specialist has recommended you target different health metrics, compared to our standard healthy ranges, Wellness Optimiser might not be appropriate for you.
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Speak to a VitalityLife adviser for tailored advice.
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday
Wellness Optimiser is available with all VitalityLife plans for an additional monthly fee of £3.80. A £30 minimum monthly premium and further terms and conditions apply. Vitality Plus may be added within three months of the plan's start date or at each anniversary of the plan. Further terms and conditions apply.
*You are entitled to two discounted health checks or screenings a plan year.
**Blood Pressure will have the following tolerance:
- Under age 60: 5% tolerance 90 – 126 mmHg / 60 – 85 mmHg
- Age 60 and over: 10% tolerance 90 – 132 mmHg / 60 – 88 mmHg
***Total cholesterol is the total of high-density lipoprotein (HDL) and low-density lipoprotein (LDL) in the blood.
1 Discount 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.
The Ocado savings example is based on a member on Platinum status spending £100 on healthy foods per month and receiving the maximum £25 discount per month.
2 If you have more than one adult on your plan, you each need to earn nine Vitality points per week for tracking your exercise to unlock a cinema ticket for every member on your plan. Maximum of one ticket per week for each person on your plan at either a Cineworld or Vue cinema.
Codes are not valid for viewings at Cineworld Leicester Square. Upgrades for 3D films, alternative content and special showings or extras like VIP seats available for an additional cost. 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.
The cinema saving is based on one adult cinema ticket per week at Vue Islington at £13.49 per ticket.
3 Applies to return economy flights to selected domestic and short haul destinations 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.
The British Airways discount is based on a member on Platinum status booking one return flight from LHR to Rome departing 05/08/2016 and returning 08/08/2016 for £579.11 including taxes and charges.