Later life and dementia insurance
- Included as standard with our Serious illness Cover
- Supports your care into later life
- Cover for Dementia, Alzheimer’s, Parkinson’s, stroke and frailty
Top-rated insurance tailored for you
What is later life and dementia insurance?
More of us are likely to develop conditions that need expensive care in future. That's why later life and dementia insurance helps towards the cost of your care.
At Vitality, our Dementia and Frailcare Cover is included as standard with our Serious Illness Cover.1 It can help protect you against later life conditions like:
- Dementia
- Alzheimer's
- Parkinson's
It pays out a lump sum, based on the impact the condition has on your lifestyle. You can use this to help cover your day-to-day expenses.
Why choose later life and dementia cover?
In the UK, we're living longer than ever before. As a result, more of us are more likely to need care in later life. To give you an idea:
- One in three people will develop dementia in their lifetime2
- 70 per cent of people in care homes have dementia or severe memory problems3
- Average lifetime care costs for dementia sufferers are £100,0004
That's why our cover can offer real protection to help with the financial impact of later life - for you and your family.
Why Vitality Dementia and Frailcare Cover?
- A brand you can trust - Last year, we paid out 99.7% of all life cover claims.5
- Access discounted care - We’ve partnered up with SuperCarers to give you 20% off the first £3,000 of ongoing care.
- Get help to stay healthy - Our healthy living programme can help you stay in better health for longer - and reward you for it.
No extra underwriting needed - Just follow our standard Serious Illness Cover application - no further questions asked.
How does later life and dementia insurance work?
Buy Serious Illness Cover
Our plan automatically gives you Dementia and FrailCare Cover as standard1
Boost your later life care
When your Serious Illness Cover term ends, any remaining cover will be converted into Dementia and FrailCare Cover*
Keep paying your premiums
Your Dementia and FrailCare Cover will help provide the care you need in later life
Be protected from care bills
If you’re diagnosed with advanced dementia, Alzheimer's, Parkinson’s, a severe stroke or frailty, we’ll pay you a lump sum**
**Illness must meet plan definitions. Pay out is proportional to the severity of the condition.
What you get with our later life cover
Our unique Dementia and FrailCare Cover ensures you stay protected into later life. And helps to cover rising care costs. Our cover can also help support your independence in later life.
- Any remaining Serious Illness Cover will be automatically converted at the end of the term, just continue to pay premiums
- Up to £100,000 can be taken as Dementia and FrailCare Cover based on the product options selected. (Subject to changes in cover with Indexation)
- No extra underwriting required, and you can cancel at any time
- Payouts are based on the severity of your condition. So, you could be entitled to further payouts if your condition worsen
Want some help?
You can always get free advice from one of our qualified experts. Just call us on 0330 678 3328
Or
Book a callback.
We’re more than happy to help you find you the right cover, at a price that works for you. No obligations, no hidden charges.
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Later life and dementia insurance FAQs
Want to learn more about life insurance?
Read some of our popular guides
Sources
1 Dementia and FrailCare Cover conversion is included as standard on all Serious Illness Cover plans with Vitality, where Total Permanent Disability (TPD) has not been specifically excluded from the plan.
2 Alzheimer's Research UK Dementia Statistics Hub
4 www.alzheimers.org.uk/blog/how-much-does-dementia-care-cost
5 Vitality Claims and Benefits Report 2024
6 Vitality analysis of Protection market, 2024