Up to 45% off term life insurance

if you have type 2 diabetes

Take out a life insurance policy with Wellness Optimiser and you could get up to 45% off term life insurance.

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 quote

Call us on 0161 216 7595

to speak to a VitalityLife adviser for tailored advice.

Get a quote

Your 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
5	11.0%
10	16.0%
15	21.0%
20	28.5%
25	33.5%
30	38.5%
35	43.5%
40	45.0%

Understand your health

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.

Measurement	Wellness Zone
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:

		Vitality Status
		Bronze	Silver	Gold	Platinum
Wellness Status	Select	2%	1%	0%	-1%*
Wellness Status	Healthy	3%	2%	1%	0%
	Everyday	4%	3%	2%	1%

*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 70 years of age, 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.

Get our best savings and rewards

Up to 25% off Ocado healthy food with free delivery. Save up to £300 per year¹
Get active and get cinema tickets for Cineworld or Vue²
Get up to 40% off British Airways return economy flights to the UK and Europe. Saving you up to £230 per year³

All it takes is a couple of minutes.

Get a quote

Speak to a VitalityLife adviser for tailored advice.
Lines open:
8am - 9pm Monday to Thursday
8am - 7pm Friday
9am - 5pm Saturday
Closed - Sunday

Request a call back

Wellness Optimiser is available with all VitalityLife plans for an additional monthly fee of £4.50. 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 Each adult member on the plan will need to earn 12 Vitality activity points per week for two consecutive weeks to unlock a cinema code. If you have children on your plan, each adult will need to earn 12 points a week for two consecutive weeks to unlock child cinema tickets. Your cinema ticket code will be valid for two weeks. Maximum of 12 tickets a year if you are a single planholder, 24 tickets a year if you are a joint planholder or 36 tickets a year if you are a family with one or more dependents on your plan. The cinema tickets are valid at either 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.

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.