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Vitality Optimiser

Make big savings in your first year and beyond

With an upfront premium discount of up to 40% on Whole of Life Cover and 25% on Term Cover as well as the ability to earn annual cashback

When you add Vitality Optimiser to your plan, you unlock an upfront premium discount of up to 40% on Whole of Live Cover and 25% on Fixed Term cover, access to all our reward partners - like Apple Watch, Ocado and Virgin Active - and the chance to keep your premiums low in future by staying active and healthy.

Your upfront discount

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 
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 ( to find out more.

Compare your options

Explore the differences between Wellness Optimiser, Vitality Optimiser and Vitality Plus to see which one is right for you.

Learn more
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Available with Wellness Optimiser or Vitality Optimiser for an additional monthly fee of £3.80. A minimum £30 monthly premium and further terms and conditions apply.