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Vitality Optimiser

Make big savings in your first year and beyond

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 cashback
  • 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. 

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call a VitalityLife adviser on 
0161 216 7595

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 45% 
50  41% 
55 37% 
60  33% 
65  29% 
70 and older 25% 

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* 

*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 £30:

  • 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 £30 or over for a single plan or £40 or over for joint plans:

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

If your monthly premium is £60 or over:

  •  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.


Our cashback structure is designed to reward members who demonstrate good long term health. Speak to a VitalityLife adviser for more information.

Compare your benefit options

Explore the differences between the benefits available to you with Wellness Optimiser and Vitality Optimiser.

Learn more
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Lines open:
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9am - 5pm Saturday
Closed - Sunday

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