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
Supporting you and your family with later life
What is later life and dementia insurance?
As we’re living longer, more of us are likely to develop conditions in the future that may need expensive ongoing care, like Dementia, Alzheimer's or Parkinson’s. Our Dementia and FrailCare Cover is designed to help towards the cost of care of these later-life conditions.
With our cover, you could get a lump sum payment, based on how much the condition affects your lifestyle. This payment can help cover day-to-day expenses or help manage costs for care.
Dementia and FrailCare Cover is automatically included on qualifying plans with our Serious Illness Cover. Total Permanent Disability must not have been excluded.
Any remaining Serious Illness Cover at the end of your term converts into Dementia and FrailCare Cover if premiums are kept up to date.*
*The amount depends on previous claims.
Why choose later life and dementia cover?
In the UK, people are living longer, and some later life conditions can require ongoing care. To give you an idea:
- One in three people will develop dementia in their lifetime - Alzheimer's Research UK Dementia Statistics Hub
- Around 70% of people in care have dementia or severe memory problems - Alzheimer's Society 2024
- Typical dementia care costs around £100,000 – Alzheimer’s Society 2024
That's why our cover is there to help you and your family with the financial impact of later life conditions.
Why Vitality Dementia and Frailcare Cover?
- A brand you can trust - Last year, we paid out 99.4% of all life cover claims. (VitalityLife Claims and Shared Value Report 2026)
- 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 - the more active you are, the more rewards you can earn.
- No extra underwriting needed - Just follow our standard Serious Illness Cover application process - no further questions asked.
How does later life and dementia insurance work?
Buy Serious Illness Cover
Dementia and FrailCare Cover is included with your plan
Boost your later life care
When your Serious Illness Cover term ends, any remaining cover automatically converts to Dementia and FrailCare Cover, depending on previous claims. Just keep paying your premiums.
Help with later-life costs
If you're diagnosed with advanced dementia, Alzheimer's, Parkinson’s, a severe stroke or frailty, you may get a lump sum*
What you get with our later life cover
Our unique Dementia and FrailCare Cover can support your finances and independence, should you fall ill in later life.
- Any remaining Serious Illness Cover is automatically converted at the end of the term, as long as you continue to pay premiums
- Up to £100,000 can be taken as Dementia and FrailCare Cover, based on the product options selected. This amount may increase over time if Indexation applies
- No extra underwriting is 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 and meets the plan definitions
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.
