Vitality Optimiser

Pay lower protection premiums in your first year

We give you an upfront discount on your premium, depending on your age or the length of your plan .

See how much you can save with Whole of Life Cover:

 
See how much you can save with Fixed Term Cover:

Keep your premiums low in future years

The more active you are and the more Vitality points you earn, the higher your Vitality Status and the lower you keep your premiums. Here’s how:

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%.

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.

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, Weight Watchers and Garmin.

If your monthly premium is over £30:

• You'll get Vitality Plus for an additional monthly fee of £3.80
• Giving you access to our best reward partners including Apple Watch, Ocado, Virgin Active and Starbucks.