Once you’ve selected the VitalityLife plan that best fits your needs, you can choose to optimise it and get access to even bigger discounts and rewards.
With Vitality Optimiser, you could get:
- Up to 40% upfront premium discount with Whole of Life Cover and up to 25% with Fixed-Term Cover
- The chance to keep your premiums low in future by staying active and healthy
- Opportunity to earn up to £125 cashback each year
- Access to our great range of discounts and rewards partners through Vitality Lite or Vitality Plus for an additional monthly fee.
- Optimiser Underwriting - Applying for life insurance can often be a lengthy process. We are delighted to introduce Optimiser Underwriting: intelligent underwriting with just 5 medical questions available on Life and Serious Illness Cover with Vitality or Wellness Optimiser.
Up to £125 cashback each year
The more active you are, the bigger the rewards
As long as you have taken a health check or health screen in your plan year, you will be eligible for 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.
Partner discounts and rewards
When you add Vitality Optimiser to your plan, not only will you get access to an upfront discount and cashback, you’ll also receive savings and discounts with our reward partners. 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.
If your monthly premium is below £30:
- You'll get vitality LIte for an additional monthly fee of £1.50
- Giving you access to a number of reward partners including Champneys, Sweatshop, WW and Garmin.
If your monthly premium is over £30: