Make big savings in your first year and beyond.When you take out a VitalityLife or VitalityLife Essentials plan with Vitality Optimiser, you get an upfront discount on the first year of your protection premium.
Vitality Optimiser also gives you the chance to keep your premiums low in future years, if you get active and stay healthy.
For just £3.80 a month, add this option to your Plan for low starting premiums.
Pay lower protection premiums in your first year
We give you an upfront discount on your premium, depending on your age and the type of plan you want.
See how much you can save with Whole of Life cover
|Age next birthday||Your Upfront Discount|
|45 or younger||47%|
See how much you can save with fixed term cover
|Length of cover (years)||Your Upfront Discount|
Keep your premiums low in future yearsThe 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:
|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|
Get active and get a discountAt the end of every year, if you raise your Vitality status by getting active, we give you a premium discount that you keep until the end of your plan – even if you don’t maintain that Vitality status in future years:
|Vitality status||Premium Discount|
Keep your premiums lowAt the end of each year, if you’ve reached Vitality Silver, Gold or Platinum status, we’ll give you another premium discount. Once you’ve earned a premium discount, these keep adding up and you keep it until the end of your plan.
Use our calculator to see how many points you could earn each year
Once you reach 80, we’ll halve the points needed to control your premiums.We know it can be difficult to keep earning as many activity points the older you get. So once you reach 80, we’ll make it easier to stay in control of your premiums by reducing your points target by 50%. You’ll also be able to use points earned through regular health checks, eye tests and more.
The 50% fewer points benefit only applies to life insurance premium discounts. You’ll still need to earn the usual number of points to earn Vitality status rewards.