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:

Age at Entry	Your upfront discount
45 or younger	40%
50	37.5%
55	32.5%
60	30%
65	25%
70	20%
75	20%

 
See how much you can save with Fixed Term Cover:

Fixed Term (Years)	Your upfront discount
5	5%
10	7.5%
15	15%
20	17.5%
25	20%
30	22.5%
≥35	25%

 

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:

Bronze	Silver	Gold	Platinum
Premiums go up by 2% each year	Premiums go up by 1% each year	Premiums stay the same	Premiums go down by 1% each year

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%.

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.

	Bronze	Silver	Gold	Platinum
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.