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:

*Your maximum premium reduction, due to annual premium adjustments on Vitality Optimiser is capped at 5%. Please speak to your financial adviser for more details.

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 £45 for a single plan or £60 for a joint plan:

• You'll get Vitality Lite for an additional monthly fee of £1.75 per person.
• Giving you access to a number of reward partners including Champneys, Runners Need, WW and Garmin.

If your monthly premium is £45 or over for a single plan:

• You'll get Vitality Plus for an additional monthly fee of £4.50 per person.
• Giving you access to our best reward partners including Virgin Active and Headspace.

If your monthly premium is £60 or over (single and joint plans):

•  You'll get Vitality Plus for an additional monthly fee of £4.50 per person.
• This will give you access to our full range of rewards partners including Apple Watch.