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Press releases

Check out the latest Vitality news

2024

March

Walking 5,000 steps three times per week could save the NHS £15 billion

Research, titles the 'Habit Index', from Vitality and the London School of Economics, shows NHS hospital costs could be reduced by £15 billion per year if half of the UK’s inactive adult population began consistently walking 5,000 steps once a week, and those who have poor exercise habits began consistently walking 5,000 steps three times per week. 
 

 

The Critical Illness Gap Leaving Unaware Policy Holders at Risk

Research from Vitality Life Insurance has found half (51%) of those with Critical Illness Cover (CIC) aren’t fully aware of the conditions they would be covered for if they needed to claim. 
 
Read more on the gap 

 

February 

Only 5% of people would speak to a financial adviser despite serious fears about the cost of later-life care

Consumer research from Vitality life insurance has found that while most people have an overly pessimistic view on the affordability of later-life care, most would not speak to an adviser about how to fund later-life care.  
 

 

One in Four Suffer Physical Health Effects of Heartbreak 

New research from Vitality reveals the physical effects Brits experience when going through a breakup, highlighting the importance of looking after your mental and physical wellbeing

Read more on the findings 

January 

Britain's Healthiest Places to Work Revealed

Arqiva, Novo Nordisk and Strativ Group Ltd have been named by Vitality’s Britain’s Healthiest Workplace (BHW) 2023 survey as the healthiest places to work in Britain.  

Read more on the winners

Poor Health at Work is Responsible for £138bn Loss to UK Economy Each Year

Research conducted by Vitality, following it's Britain's Healthiest Workplace survey, found poor health costs the UK economy an estimated £138 billion per year due to absence and impact on productivity at work.  

Read more on the findings

 

 

 

2023

December 

Brits address the pressures at Christmas to prioritise their health & wellbeing 

While the festive period is the jolliest time of the year to many, Vitality found that more than half (53%) of Brits feel a sense of pressure during this time which impacts their health and wellbeing

More on the findings

Vitality finds younger people are most likely to cancel protection policies

Research from Vitality has found that while young people between 18-34 are the most likely group to cancel a life insurance policy, they are also the most likely to purchase one following a big life event.  

More on the findings 
November 

Vitality finds unemployment is the biggest driver for people cancelling their life insurance policy

While Vitality found that around half of UK adults (56%) would never consider cancelling their life insurance policy, those who would consider it cited losing their job as the biggest reason

More on the findings

Vitality Launches Black Friday Deals

Vitality announces details of its annual Pink Friday campaign, running from 20-26 November 

more on Pink Friday details

October

Vitality Unveils Cutting-Edge Digital Health Enhancements Alongside its 2023

Health Claims Report Vitality has today announced a number of enhancements to further streamline its digital journeys for both members and advisers and increase the efficiency and speed that diagnostics and treatment are delivered. All enhancements will be available by the end of the year.

More on the enhancements

58% of VitalityHealth claims are for everyday care services

Vitality announces a significant increase in usage of its ‘Everyday care services’, including Vitality GP, Talking Therapies, Physiotherapy, and the newly introduced Optical, Dental and Hearing Cover benefits across its members. 

More on the claims breakdown

SNAP LDN and Vitality Launch New Integrated Brand Campaign

The new campaign will hero Vitality’s much loved brand mascot, Stanley the dachshund, as he takes centre stage rather than his owners. 

More on the campaign 

September

Growing use of talking therapies has potential to reduce other hospitalisations 

New data from Vitality has revealed the key role access to talking therapies has in improving the long-term mental and physical health of patients. 

More on the findings

Vapers’ Plans to Quit are Going up in Smoke 

New research from Vitality reveals one in six Brits (15%) have started vaping over the past 3 years, and while e-cigarettes were traditionally used to help smokers quit, less than half (47%) of those who have started vaping did so to kick the habit.

More on the findings

Vitality paid £96m in life claims to its members in 2022

Vitality publishes its 2022 protection claims figures

More on the figures 

Almost two-thirds worried about the cost of dementia care

Research from Vitality highlights how many in the UK underestimate the care needed to support someone with dementia, identifying a social care protection gap

More on the social care protection gap

August 

Vitality reveals incentives can have the greatest impact on physical activity for older customers

Despite common assumptions, Vitality reveals how incentives have a greater impact on the exercise levels of those the over 60. 

More on member habits

June

AFC Bournemouth announce three-year extension of its partnership with Vitality

AFC Bournemouth announces an extension of its partnership with Vitality, as the official wellness partner. This includes stadium naming rights, as well as sponsorship of the club’s men’s and women’s teams. 

More on the announcement 

Soccer Aid for UNICEF announces partnership with Vitality for June’s 2023 match

Soccer Aid for UNICEF announces that Vitality will be an official partner for the 2023 game.

More on the partnership

Vitality Launches New Employee Engagement Tool –  Vitality Champions Hub

Vitality launces a new dedicated Vitality Champions Hub, providing a central location for the latest news and health & wellbeing expertise for businesses looking to encourage a healthy workforce. 

More on the Vitality Champions Hub

May

Two Thirds of Workers are not Prioritising their Mental Health

New research from Vitality health insurance has revealed that seven in ten (70%) openly admit to prioritising their physical health over their mental health. Despite 71% saying the conversation about mental health is more prominent than ever, three quarters (75%) admit physical health problems are still taken more seriously than mental health struggles. 

More on the findings

February

Vitality strengthens its Serious Illness cover offering

Vitality has today announced a number of innovative changes today to its Serious Illness Cover that are designed to streamline its offering further, while continuing to provide comprehensive and market-leading cover.

More on Vitality's Serious Illness Offering

Vitality Strengthens Commitment to Women’s Sport with Trio of New Ambassadors

Vitality, has today announced a partnership with cricket professionals Nat Sciver-Brunt, Sophia Dunkley and former England cricketer, Isa Guha, as part of its on-going commitment to championing women in sport. 

More on the new ambassadors 

Vitality transforms its Income Protection cover offering

Vitality has today announced a range of changes to its protection offering including unveiling a raft of enhancements to its Income Protection product offering.

More on Vitality's Income Protection Offering

2022

December

Now more than ever protection providers must demonstrate the value of protection

New research has revealed that the current economic climate is leaving people debating the need for protection.

More on Vitality's latest life research

Britain's healthiest places to work revealed

Vitality announces the winners from this year's Britain's Healthiest Workplace survey following two year break.

More on Britain's Healthiest Workplace

November

Britain sees £128bn productivity loss as 'perfect storm' slows business growth

Britain’s economy has lost £127.9 billion in 2022 as a result of employee absence or lack of productivity at work.

More on the findings of Britain's Healthiest Workplace

Distraction is one of the main causes of accidents in the UK

Vitality research reveals Brits aren't paying attention on the roads, with 6.6m admitting to using their phone when driving.

More on Vitality's latest car research

New report reveals women's health is suffering more than men's in a hybrid world

Vitality research reveals more women than men are experiencing negative impacts on their health over the last year.

More on Vitality's latest report and research

Vitality founder sets himself a significant challenge: to run a 5-minute mile

Challenge aims to highlight the importance of physical activity and the power of goal setting.

More on Adrian's challenge

September

Vitality publishes 2021 protection claims figures

Vitality publishes its claim statistics for 2021, which shows it paid out a total of £82.8m in protection claims.

More on the protection claims figures

August

Vitality reveals first TV advert for car business

Vitality unveils the first TV advert for its car insurance proposition, VitalityCar, which rewards drivers for driving well and for choosing to have car-free days.

More on Vitality's latest TV advert

July

Vitality research shows increased productivity is the main motivation for health and wellbeing policies at work

Vitality has released new research in partnership with CBI Economics, revealing that Britain’s bosses believe the robust mental and physical health of their employees is key to rising productivity levels – and, ultimately, profitability.

More on Vitality's latest research on hybrid working

June

Vitality unveils first ever Health Claims Insights Report

Vitality has published a new Health Claims Insights report, detailing compelling insights from its claims data and key trends across the PMI market.

More on Vitality's Health Claims Insights Report

Vitality sees claims for Primary Care increase

New data released by Vitality shows a significant increase in the use of primary care services by Vitality members, representing a fundamental shift in the kind of care people are looking for and accessing as part of their health insurance.

More on primary care claims

Vitality data finds a modest amount of regular exercise can improve health outcomes and reduce claims costs

Analysis of Vitality health insurance claims between 2017 and 2021 found that even a modest amount of regular exercise can reduce the average costs per claim for members requiring hospital treatment.

More on exercise improving health outcomes

May

Vitality releases health insurance cancer claims data for 2021

Vitality has released data showing the breakdown of their cancer claims for last year (2021).

More on Health claims

Financial security of business owners at risk as more than a third admit they have no protection in place

New research from Vitality has highlighted how business owners are putting their livelihoods at risk by not having business protection cover in place to protect their business should a key employee be unable to work.

More on Business Protection

Vitality sees large growth in Talking Therapies usage by members since pandemic

To mark mental health awareness week (9-15 May 2022), Vitality has announced an increase in the number of people taking Talking Therapies treatment, with claims up 44% (between 2019 and 2021) on pre-pandemic levels.

More on Talking Therapies

April

Vitality research reveals women find it harder to save than men

Almost a third (30%) of unretired women have not thought about saving for later life compared to 22% of men, with over half (51%) stating this is because they cannot afford to.

More on Vitality's research on savings

VitalityCar launches new monthly 25% cashback reward

VitalityCar has today announced that drivers can earn up to 25% cashback - based on their monthly car premium - when they drive well.

More on VitalityCar cashback reward

March

Britain's Healthiest Workplace now open for entries

Vitality - in collaboration with Aon - has today announced that it has relaunched the UK’s largest employee wellbeing survey, Britain’s Healthiest Workplace.

More on Britain's Healthiest Workplace

Vitality research reveals adviser concerns over potential stock market collapse and its impact on pension drawdown

According to new research by investments provider, Vitality, the biggest threat to clients in drawdown is a stock market collapse.

More on adviser concerns over a potential stock market collapse

January

Vitality introduces new product charge offer of 0.15% or less per year

Vitality has introduced a new, limited-time offer, which will see annual product charges of just 0.15% or less, with a charge cap on amounts above £200,000.

More on new product charge offer

Vitality launches Smart Transfer Service and enhances client review reports

Vitality has strengthened its Invest proposition with the launch of a new transfer service designed to simplify the consolidation process and enhanced client review reports as part of its Interactive Statements feature.

More on Smart Transfer Service

Vitality appoints new National Account Manager of Key Accounts

Vitality has appointed Louiza Deevey as National Account Manager - Key Accounts for VitalityHealth, focusing on the sales, business development and strategic tenders for Vitality’s national intermediary partners in the UK.

More on the new National Account Manager of Key Accounts

2021

November

Vitality re-introduces Earnings Guarantee for Income Protection policies

Vitality has announced it has reintroduced its Earnings Guarantee feature on Personal Protection Plans with Income Protection Cover

More on Earnings Guarantee

New pioneering approach from Vitality to help members live longer in good health

Vitality has announced a new personalised and data driven approach to support people to take a life changing action that will maximise the number of years a member could live in good health.

More on Next Best Action

Vitality bolsters portfolio of partners to help people lead healthier lives

Vitality has announced the addition of a number of new partners and a series of enhancements to its unique Vitality Programme, which rewards members for making better life choices and taking steps to be healthier.

More on the new partners

Vitality unveils new workplace wellbeing toolkit for employers

Vitality has designed a free workplace wellbeing toolkit to help employers improve the wellbeing of employees.

More on the wellbeing toolkit

Vitality launches Black Friday deals

Vitality has launched a series of Black Friday offers as part of its 'Pink Friday' campaign, which will run from 22 - 28 November. The enhanced group of offers adds to Vitality’s extensive list of rewards and partners.

More on Black Friday deals

Vitality announces range of offers and discounts on clinically backed digital health tools for members

Vitality has today announced a range of offers and discounts across a new suite of clinically backed digital health tools that will help empower members to self-manage symptoms of a number of common health conditions.

More on health tools

October

Vitality launches workplace wellbeing learning series

Vitality has launched a new digital learning series to support advisers with growing demand for workplace wellbeing advice and support ad employers navigate the return to the office.

More on workplace wellbeing

August

Vitality publishes 2020 Protection claims statistics

Vitality has published its claims statistics for 2020, which shows that it paid out £91.6m in claims in 2020, with a total of 1,632 claims paid across its Life and Terminal Illness, Serious Illness and Income Protection products.

More on claims statistics

July

Personalised Return on Investment reports now available to employers to help calculate value of employee health insurance and wellbeing scheme

UK businesses can receive a free, comprehensive - yet easily digestible - report that illustrates the value they can expect from introducing Vitality Health Insurance into their business and engaging employees with the Vitality Programme.

More on ROI tool

June

Vitality to create fully digital healthcare experience

Vitality is to make significant product enhancements over the coming months to deliver a fully digital healthcare experience for its members.

More on product enhancements

Vitality launches new dynamic car insurance

Vitality has today entered the car insurance market to incentivise and reward good driving and allow UK drivers to better control their insurance costs.

More on Vitality car insurance

Vitality launches ESG-focused EnVIRO fund range

Vitality announces launch of new EnVIRO fund range, a ready-made investment solution that integrates environmental, social and governance considerations (ESG).

More on new EnVIRO fund range

May

Vitality announces new partnership with Samsung

Vitality has partnered with Samsung UK to integrate Samsung Health into the Vitality Programme, providing members with more ways to track their activity and improve their health.

More on partnership with Samsung

Vitality and RSA warn of health impacts of successive lockdowns on future health of employees

With hybrid working set to become a reality for millions of employees, the ‘Healthy Hybrid, a Blueprint for Business’ report, shines a light on the health impact of successive lockdowns on homeworkers.

More on report from Vitality and the RSA

April

Vitality announces three senior appointments

Vitality has announced three senior appointments as it creates a new position at executive level to lead its sustainability agenda.

More on the new appointments

Digital transformation is a legacy of Covid-19 for IFAs

New data from Vitality has revealed 89% of independent financial advisers (IFAs) are using some new form of technology as a result of Covid-19.

More on digital transformation

Review points to benefits of wearables in helping people improve their health

A new review written by Vitality clinicians on the benefits of wearables has been published in the Occupational Medicine journal.

More on the Occupational Medicine journal

March

Vitality: 1 in 3 businesses still without protection despite admitting single point of failure in key employee

A third (34%) of business owners have admitted their organisations would fail if they or a key member of staff passed away or had a severe terminal illness yet still aren’t insuring against the impact of the loss or ill health of key employees, according to new data from Vitality.

More on the research

Vitality finds individuals underestimating their own life expectancy to be the biggest threat on the horizon to drawing down a pension appropriately

New data from Vitality has found that advisers consider the biggest threat on the horizon to people drawing down their pensions appropriately to be them underestimating their own life expectancy.

More on the research

February

Vitality appoints Adam Saville as Intermediary Content Editor

Vitality has announced that it has appointed Adam Saville as Intermediary Content Editor. Adam will lead the strategy and creation of intermediary content across our core UK businesses: Health, Life and Invest.

More on Vitality's new appointment

January

Vitality bolsters Life proposition team with new appointment

Vitality has appointed Nick Telfer as Protection Development Manager. Nick will further develop Vitality’s relationships with protection market influencers, networks and service providers.

More on Vitality's new appointment

Vitality announces launch of car insurance together with Covéa Insurance

Vitality have today announced they will enter into the car insurance market from the spring of 2021. Offered in addition to their health insurance, life insurance and investment products, this will be the latest business expansion from the insurer and be provided in partnership with Covéa Insurance.

More on Vitality car insurance

Vitality announces new significant partnership with England & GB Women’s Hockey and Olympian Alex Danson-Bennett

Vitality and England & Great Britain (GB) Women’s Hockey have today announced one of the most significant partnerships in the sport’s history, as part of a landmark three year deal.

Read more

2020

November

Vitality calls for fake commute, as boundaries between work and home life blur as Brits continue to work from home this winter

Almost six in 10 office workers are struggling to separate their work and home life after ditching their commute, research from innovative health and life insurance and investment company Vitality has revealed.

Read more

VitalityHealth launches Lifestyle Assessment for corporate members

VitalityHealth has today announced that it has launched a new Vitality Lifestyle Assessment for its corporate member organisations. The Assessment uses innovative Firstbeat technology to help them understand their employees’ health and wellbeing, identify potential risks, and implement suitable interventions to improve overall health and wellbeing.

Read more

October

Vitality further strengthens its commitment to women’s sport by partnering with Women in Sport and This Mum Runs

Vitality, the innovative health and life insurance and investment company, has today announced two new partnerships, one with leading gender equality charity, Women in Sport, and the other with the running community, This Mum Runs, further reaffirming the insurer’s commitment to women’s sport..
Read more

Vitality bolsters its mental health offering by partnering with My Online Therapy

Vitality has today announced a new partnership with the UK's leading virtual psychology clinic, My Online Therapy, further bolstering the mental health support available to its health members.
Read more

Vitality launches new benefit pack to encourage people to get active and offer more support at this exceptional time

Vitality is today announcing a range of initiatives in the form of a Winter Pack that provide additional ways for its members to keep active and healthy and look after their mental wellbeing as the pandemic continues to affect how we live our lives, and we head into winter.
Read more

Vitality appoints new Director of Key Accounts for Health business

Vitality has appointed Liam Kennedy as Director of Key Accounts for the Health business. Liam will lead the Key Accounts team, responsible for the ongoing development of the specialist health intermediary distribution channel for consumer and SME business.
Read more

Vitality VIRO funds celebrate third anniversary

Vitality is celebrating the three year anniversary of their VitalityInvest Risk Optimiser (VIRO) funds as part of its investment offering. The anniversary provides advisers with a three year track record of the funds’ performance and is a significant milestone for Vitality being the first of its fund ranges to hit this significant milestone.
Read more

Vitality partners with Peppy to become first UK Private Medical Insurer to offer a dedicated menopause support service

Vitality, the innovative health insurer, has today announced a new partnership with Peppy, an expert personalised support service, to provide dedicated menopause support to its members.
Read more

VitalityLife revamps underwriting process

VitalityLife has announced changes to its underwriting process which will reduce the time taken to get underwriting decisions, improving the efficiency of the underwriting process, and making it simpler to take out a protection policy with Vitality.
Read more

Covid-19 triggers interest in life insurance, finds Vitality 

New research has found that the coronavirus pandemic has become a catalyst for people to consider taking out life insurance, with over a third of people said that the pandemic had made them more aware of the need for life insurance, with the number rising to over half for those aged between 25 and 34.
Read more

Men are less aware of mental wellbeing initiatives and participate less according to study 

More than 1 in 11 (9.3%) of all men in employment under 40 were found to be experiencing mental health issues, with the majority of this group (92%) reporting feeling nervous or restless at least a little of the time in the prior month according to new data released by Vitality. 
Read more

September

Vitality study finds modifiable health risks linked to increased health care costs 

A newly published study in The Lancet Public Health by global health insurer, Vitality Group, has found modifiable health risks, such as obesity, high blood pressure, and smoking, were linked to over $730 billion in health care spending in the US in 2016. This study comes at the same time new data from the UK has found a strong connection between a higher Vitality status and lower claims costs. 
Read more

Vitality announces new Personal Protection Plan and range of initiatives to support advisers 

Vitality have today announced a simplification of its life insurance offering, where they will offer one personal protection product, the option of one Optimiser, plus access to their healthy living and rewards programme at no extra cost for all new life members, helping them live healthier lives.
Read more

Football star Alex Scott MBE teams up with Vitality as Ambassador

Vitality, the innovative health and life insurance and investment company, has today announced a new partnership with former professional footballer, Alex Scott MBE, who takes on the role as Ambassador for the brand. Read more

Vitality announced as new sponsor of The Women’s FA Cup

The new partnership, which will run for three years through to July 2023, will see the world’s best cup competition rebranded and referred to as the Vitality Women’s FA Cup. The relationship officially kicks-off from the start of the quarter-finals of the 2019/2020 competition, which take place on 26-27 September.
Read more

Vitality announces six new partnerships for the new 2020/21 football season and signals their further commitment to women's sport

Vitality, the health and life insurance and investment company, have announced that it is partnering and extending their partnerships with six football clubs, with the agreements covering both the men and women’s teams. 
Read more

July

Vitality offers coronavirus tests to members

VitalityHealth is to make Coronavirus tests available to its health members from 29 July 2020, to support members to test if they have had an immune system response to Covid-19, meaning they have previously been affected by the virus, or test to see if they have the virus now. Read more

Reduced physical activity during lockdown knocks almost 4 months off life expectancy

New data released by Vitality reveals its members saw their life expectancy fall by an average of almost four months (3.8) as a result of a drop off in physical activity levels during the start of the Covid-19 UK lockdown period. Read more
March

Vitality partners with UNICEF to vaccinate one million children

Vitality and the United Nations Children's Fund (UNICEF) today announced a partnership that will positively impact the lives of a million children around the world.
Read more

Vitality opens up access to telephone GP service to support members during Coronavirus outbreak

Vitality has today announced that all their members will now have access to their GP advice telephone line, ensuring they have access to information and clinical support throughout the Coronavirus outbreak.
Read more

VitalityHealth launches new all-employee access to key preventative healthcare benefits

VitalityHealth has launched Vitality at Work, a new offering for its small to medium sized business health clients that brings together a number of key health benefits in a cost-effective way.
Read more

February

Britain's £92 billion productivity loss: nation's 'first productive day' is now 21st February

Friday 21st February 2020 is the ‘first productive day’ of the year for British employees, as new data finds that 38 working days were lost, on average, by each employee in 2019 due to physical and mental health related absence and presenteeism.
Read more

Adviser role crucial to business protection clients

Regularly reviewing protection policies to meet the changing needs of businesses is crucial to retention, according to research from VitalityLife.
Read more

January

Demand for business protection on the rise - but half of advisers don't protect their own business

Nearly a quarter (24%) of advisers with corporate clients have seen the demand for business protection rise in the last five years, according to new research from VitalityLife.
Read more

VitalityInvest appoints new Investment Distribution Director

VitalityInvest has appointed Mark Baldwin as Investment Distribution Director.
Read more

VitalityInvest announces a number of enhancements including new Global Multi-Manager fund range with SEI

VitalityInvest has unveiled multiple enhancements to its investment offering, including five new actively-managed funds created in partnership with SEI, a leading global provider of investment solutions.
Read more

Waitrose & Partners and Vitality team up to provide discount on healthy foods

Waitrose & Partners and health and life insurer Vitality are launching an exclusive, long-term partnership with discounts of up to 40% on healthy foods.
Read more

2019

December

Advisers cite risk of stock market collapse as major threat to retirement investing

A stock market collapse is one of the biggest risks for clients’ retirement savings on the horizon in both accumulation and in drawdown, according to financial advisers.
Read more

Advisers say greater financial education is best way to close retirement gap

Over two thirds of advisers believe financial education is the most important way to encourage people to save more for retirement.
Read more

November

Britain's healthiest places to work revealed

Johnson & Johnson, Adidas UK and Wellness International Ltd have been named by Vitality’s Britain’s Healthiest Workplace (BHW) 2019 study as the healthiest places to work in Britain.
Read more

VitalityLife launches Dementia and FrailCare Cover Plus

VitalityLife has announced an enhancement to its later life care offering, with the launch of Dementia and FrailCare Cover Plus (DFCC+).
Read more

Vitality launches new physiotherapy service, carers support and discounted screening for members

Vitality has announced a series of new healthcare partners to help better support members and their loved one’s health.
Read more

Vitality joins forces with best-in-class brands to further encourage healthy lifestyles

Vitality has announced a series of new partners that will further bolster the rich benefits available for members to help them lead healthier lives. The partners range from a cashback credit card, through to discounted food and travel, all directly linked to healthy behaviour, and have been brought in to further enhance the Vitality Programme which rewards people for making healthier choices.
Read more

Vitality launches new cancer care booster worth £570 per month with Health and Life policy

Vitality announces four innovative new developments for the protection market, including a market-first Cancer Benefit Booster initiative to people who have both a VitalityLife and VitalityHealth policy.
Read more

Netball legend Tracey Neville nets role as Vitality Ambassador

Vitality, the innovative health and life insurance and investments company has today announced a new partnership with former England Netball Head Coach, Tracey Neville, who takes up a role as Ambassador. 
Read more

Usain Bolt invites you to run for your country

The Vitality Running World Cup (VRWC) today announced the kick-off of a mass running movement designed to encourage people to get more active.
Read more

Ground-breaking study shows fitter bodies could lead to fitter economies

RAND Europe and Vitality publish a ground-breaking, global study on the economic impact of physical inactivity, illustrating the significant influence of regular exercise on economic growth, workforce productivity and life expectancy.
Read more

October

Half of women in the UK admit to ignoring their pension, putting themselves at risk of pension poverty

Research from VitalityInvest has revealed women are at a far higher risk of pension poverty than men, with only 19% having ever made increased contributions to their pension or retirement fund beyond auto-enrolment – and half (49%) having never made any additional payments.
Read more

Advisers sceptical of the role of technology in closing advice gap

New research from VitalityInvest has found almost half of advisers do not believe technology can play a role in helping to close the advice gap - the gap between those with and without access to affordable financial advice.
Read more

Advisers say greatest threat to retirement is lack of investor understanding

New research from VitalityInvest has found just under a third (31%) of Independent Financial Advisors believe consumers failing to save for retirement and a lack of understanding about the risks of under-saving are the biggest threats on the horizon to clients’ accumulation and securing the retirement they want.
Read more

September

The key to long life? Just 30 minutes more exercise a week adds a YEAR to life expectancy

Vitality has found people could increase their life expectancy by more than a year by adding an extra 30 minutes of exercise into their weekly routine. Analysing the activity levels of 141,000 people over a one-year period Vitality found those who increased their exercise levels from the recommended 2.5 hours a week, to three hours a week saw their life expectancy boosted by 1.7 years.
Read more

Vitality joins forces with Sunday Times and the Sportswomen of the Year Awards

Vitality today announces its title sponsorship of The Sunday Times Sportswomen of the Year Awards. The awards will now be known as The Sunday Times Sportswomen of the Year Awards in association with Vitality. It is the fourth year Vitality has partnered with the Awards.
Read more

Jonny Wilkinson shines a light on mental health in new vitality campaign ahead of the world cup

Jonny Wilkinson has been announced as the ambassador of a new mental health campaign being launched by Vitality today. The campaign which seeks to address the fine line between feeling fine and feeling overwhelmed, will see Jonny sharing some of his own personal challenges around mental health in a bid to encourage people to seek support when they need it.
Read more

August 

Mindfulness matters but leaves some red faced

New research by Vitality, the innovative Health and Life Insurance Company, has found more than 80 per cent (86%) of people believe mindfulness apps have been effective in improving their overall mental wellbeing. More than half (54%) of respondents admitted they use mindfulness apps to help relieve the symptoms of stress, while just under half (49%) practice the activity to improve their mental health.  Just over a third (34%) of respondents use mindfulness apps to boost their mood and just over one in 10 (11%) use them to improve productivity at work. 
Read more 

July

Vitality GP now offers home or work blood testing


Vitality GP – the health insurer’s video GP service - has added a unique home diagnostics pathway for members, providing quick access to pathology testing (blood tests), delivered by qualified nurses in members’ homes or designated work addresses. The launch follows a successful pilot of the pathway, during which approximately 70% of all members requiring such tests opted for home diagnostics.
Read more


Over 80 UK companies commit to getting their employees 20% more active


Representatives from UK companies of all shapes and sizes made a public commitment yesterday – supported by Vitality and its Performance Champions (former professional athletes) – to get their employees 20% more active.
Read more

VitalityLife launches signature-free online trust solution for advisers

VitalityLife has today launched a new online solution that makes it quicker and easier for advisers to place protection plans in trust.

The online process eliminates the need for written signatures and allows advisers to set up a trust as part of the protection application using new VitalityLife’s Adviser Hub self-service portal. The solution is available for all new Personal and Business Protection plans.
Read more

VitalityInvest extends access to healthy living programme and brings in 0% charges

Vitality has launched the next step in the evolution of its VitalityInvest proposition, broadening the appeal of their products, including automatic access to VitalityInvest’s Healthy Living Programme with all new invest products, which makes it easier to pay lower product charges.

By opening up access to the Healthy Living Programme – where they no longer need a health or life policy to qualify - they are further simplifying the product offering for advisers, and enabling more people to plan for a financial secure and healthier future.

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Vitality launch #wearerising campaign to celebrate the Vitality Netball World Cup 2019

Vitality, the innovative insurance and investment business, is today launching #WeAreRising, a new campaign which will champion and celebrate the Vitality Netball World Cup 2019, as well as inspire more people to participate in the sport with a pledge to fund grassroots coaches.

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Netball captains from around the world kick off the Vitality Netball World Cup 2019 in Liverpool

Today the 16 captains from all the international teams competing at the Vitality Netball World Cup 2019 came face-to-face for the first time in Liverpool to officially launch the tournament and welcome the trophy to the city. Ahead of the first match this Friday 12th July, the captains united in front of the iconic Wheel of Liverpool, which will be flying the flags of all the nations throughout the duration of the tournament.

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VitalityHealth partners with Doctify

VitalityHealth is the first health insurer to partner with Doctify and has used its platform to develop ‘Vitality Specialist Finder powered by Doctify’, a website that will allow members to search for doctors by speciality, rating and location.

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June

VitalityLife announces claims and benefits statistics

For the second year, VitalityLife has combined annual claims information with statistics on the benefits that members gain by engaging, both in terms of a reduced likelihood of making a claim on their Life Cover and the value from Vitality partner rewards and benefits. More than £81m was given back to members through a range of benefits and rewards, such as discounted health screens and gym memberships, and activity devices, coffees and Amazon Prime membership.

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VitalityHealth promises “Best in class Cancer Cover” with latest enhancements

VitalityHealth today announces that it has enhanced its cancer cover at no extra cost for all new and existing members*. The provider has also introduced new discounted cancer screenings and risk assessments for some of the most common cancers. This comes at a time when national screening programme attendance is reportedly slipping.

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April

British businesses could save £61 billion per year by prioritising health and wellbeing

Vitality is calling on business leaders to help their employees engage with health and wellbeing initiatives available to them at work. This comes after new research revealed that three-quarters of ill-health related absence and presenteeism in 2018, equating to £61bn, came from factors such as depression, poor lifestyle choices, and stress, all of which are can be targeted by businesses through health and wellbeing initiatives.

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Vitality publishes 2018 Gender Pay Gap Report

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March

VitalityInvest to give back first year of product charges 

Clients taking out a new VitalityInvest ISA, Junior ISA or Retirement Plan will have their first year’s product charges refunded after 12 months.
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VitalityHealth gives SME clients all-employee access to key preventative healthcare benefits

VitalityHealth will this week launch Vitality Essentials, which broadens the reach of key preventative health benefits to the wider employee base of its small to medium sized Private Medical Insurance (PMI) clients.
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February

Vitality partners with DocTap to extend its London Face-to-Face GP Service

Vitality today announces that it has added new GP partner DocTap to its Greater London Face-to-Face GP service, extending the network’s coverage and adding access to a mole checking service too.

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Vitality launches new Mental Health Cover to add to Holistic Health and Wellbeing Offering

VitalityHealth has further demonstrated its commitment to providing the best mental health cover in the market, with the launch of their new comprehensive mental health package to provide support and treatment to members when they need it most.
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January

VitalityLife announces a new Mortgage Plan and a range of enhancements to Income Protection

VitalityLife has launched a new Mortgage Plan, specifically designed for mortgage protection, offering the most comprehensive coverage and providing total peace of mind. Alongside this, VitalityLife has also launched a number of enhancements to its Income Protection (IP) that will provide members with more inclusive cover.
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VitalityInvest launches new fund range for healthier investment and retirement planning

VitalityInvest has today launched two new funds in partnership with Investec Bank plc in their new Protector Fund range that will offer advisers more diverse opportunities for growth and returns for their clients, while helping to protect their capital invested. These complement the Vitality Performer and Risk Optimiser funds launched in June 2018 and offer clients new targeted ways to invest. Both funds have been created for clients with medium-low risk appetite in mind and invest in structured products. The funds invest in structured products issued by Investec Bank plc.
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Vitality encourages people to get their trainers on and keep active in February as part of a new partnership with Runners Need

Vitality is hoping to help get its members up and running throughout 2019, with a new partnership with running specialist, Runners Need. The new partnership will provide Vitality members with 50%* off one pair of running shoes every year, ensuring they have quality kit when keeping active.
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2018

November

Vitality-linked insurers to get 100 million people 20% more active by 2025

A ground-breaking new behaviour change study by leading independent research institute RAND Europe, has shown that Vitality incentives combined with Apple Watch deliver dramatic and sustained improvements in physical activity levels.
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Vitality announced as title sponsor of Netball World Cup 2019

Vitality will be title sponsor of next year’s prestigious tournament in Liverpool.
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VitalityLife launches Optimiser Underwriting

VitalityLife has launched Optimiser Underwriting, a new underwriting process that improves the experience for those customers who choose one of the company’s Optimiser plans when arranging their protection cover.
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Apple Watch Series 4 now available to Vitality members to help incentivise healthy behaviour

Vitality has announced an enhancement to its Vitality Active Rewards with Apple Watch benefit, which aims to promote physical activity and better health for its members.
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October

Vitality confirms continued commitment to England Netball as England Roses become ‘Vitality Roses’ 

Vitality has renewed its existing title partnership with England Netball for a further three years.
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VitalityLife launches world-first solution to help cover the rising costs of later life

VitalityLife has launched Dementia and FrailCare Cover - a world-first, innovative new solution that aims to protect customers against the rising costs of later life care. 
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Vitality announces new Amazon partnership to keep members in prime health

Vitality has announced a new partnership with Amazon, evolving the way its members are incentivised to be healthier through the company’s Active Rewards programme. 
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VitalityHealth launches workplace wellbeing programme fronted by former England rugby star Maggie Alphonsi

VitalityHealth has launched a new workplace wellbeing programme that aims to help businesses build healthier, more engaged and productive workforces.
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September

New VitalityLife Risk Calculator helps advisers calculate benefits of a healthier lifestyle

VitalityLife has launched a quick and easy-to-use Risk Calculator designed to help advisers discuss the sensitive subject of a client experiencing a serious illness – or possibly dying – before retirement.
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New research from VitalityInvest

Travelling the world tops Brits' retirement plans, yet nearly half worry they will lack the savings to fulfil their dreams according to new research from VitalityInvest. 
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Vitality UK parent company, Discovery Group, announces annual financial results

Discovery Group has announced annual financial results for the year ending 30 June 2018.
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Vitality launches new ‘Positively Different’ ATL campaign 

Vitality has launched its first ever integrated marketing campaign that encompasses its brands and business lines to celebrate the new brand proposition, ‘Positively Different’.
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August

Vitality partners with Newcastle United FC

Vitality has become the new Official Wellness Partner of Newcastle United Football Club.
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Vitality partners with Cardiff City FC

Vitality has become the new Official Wellness Partner of Cardiff City Football Club.

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July

Vitality announced as Leicester City Football Club's new Official Wellness Partner

The new partnership includes use of player imagery, in-stadium branding and a digital and social media presence.

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England cricketer Jos Buttler announced as Vitality Ambassador

Vitality today announces a partnership with England cricketer Jos Buttler, who takes on the role of Vitality Ambassador, joining England cricket men’s and women’s captains Joe Root and Heather Knight.

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Vitality launches new partnership with Chelsea FC

Vitality has announced it will become the Official Health Insurance Partner of Chelsea Football Club. The insurer, which rewards its members for healthy lifestyle choices, will sponsor both women and men’s teams, as well as the Academy squads.

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June

VitalityLife rolls out new tele-claims service

Claimants can now claim via specialist nurses rather than completing forms.

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Vitality launches new investment solutions to prepare people for the retirement of tomorrow

To address the challenges of an ageing population in poorer health and concerns around the ability to fund retirement, Vitality today enters the long-term savings market with the launch of VitalityInvest.

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England Women's Cricket captain Heather Knight announced as Vitality Ambassador

Vitality has announced a partnership with England women’s cricket captain Heather Knight, who takes on the role of Vitality Ambassador, joining fellow England cricket captain Joe Root as well as Dame Jessica Ennis-Hill, Maro Itoje, Ellie Simmonds and Jonny Wilkinson.

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May

Dame Jessica Ennis-Hill and Jonny Wilkinson team up with parkrunners to launch new Vitality advertising campaign

Vitality has launched its latest marketing campaign, with keen parkrunners and amateur rugby players starring alongside Vitality Ambassadors Dame Jessica Ennis-Hill, Jonny Wilkinson, Maro Itoje, Joe Root, Ellie Simmonds and Stanley the Dachshund. 

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VitalityLife announces new claims and benefits statistics

VitalityLife has published its new Claims and Benefits Report which shows it paid out a record £36.1m in claims during 2017 with 96% of all claims being paid out across Life, Serious Illness Cover and Income Protection.
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April

VitalityLife announces improvements to Serious Illness Cover 

VitalityLife’s Serious Illness Cover offering has been improved to give customers even more, with new conditions added, existing definitions enhanced and the structure of the offering simplified. 
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VitalityLife wins 2018 Celent Model Insurer Award for Vitality Nurse

VitalityLife has been awarded the 2018 Celent Model Insurer Award for Operational Excellence in recognition of its use of technology for Vitality Nurse.

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Employees who aren’t allowed to work flexibly are twice as likely to experience stress at work 

Employees who do not have an option to work flexibly are twice as likely to experience work-related stress than those with flexible workdays, a survey from VitalityHealth has revealed. 
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VitalityLife announces new range of discounts and promotions 

VitalityLife has announced  a range of new discounts and promotions, including lower premiums on Whole of Life, a special offer on Children’s Serious Illness Cover, and a new premium comparison tool for advisers.
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March

Vitality publishes 2017 Gender Pay Gap Report

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Vitality Ambassador Dame Jessica Ennis-Hill launches 10 Weeks to 10k challenge

Dame Jessica Ennis-Hill is encouraging runners of all ages and abilities to sign up to a 10 Weeks to 10K challenge that culminates in taking part in the Vitality London 10,000 in May.
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Vitality teams up with Amazon to help people get healthy

Vitality has launched Vitality Alexa Skill, providing healthy living tips, recipes and workouts for those looking for fitness and wellbeing inspiration.
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February

VitalityHealth launches new Vitality GP service

VitalityHealth has launched a new Vitality GP service which transforms the health insurer’s capability to deliver class-leading primary care benefits that members can access quickly and easily.

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Unhealthy lifestyles slashing UK average life expectancy by more than four years

Research from VitalityHealth has identified a significant longevity challenge facing the UK, with life expectancy being reduced by more than four years, predominantly due to individuals’ poor lifestyle choices.
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New VitalityHealth research shows insurers should take healthy behaviour into account when calculating premiums

New research from VitalityHealth reveals that more than half (53%) of consumers want insurers to take their healthy behaviour such as diet or exercise into consideration when calculating their premium.
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Vitality partners with ECB for T20 cricket

Vitality is named as the new title partner of T20 Blast, International T20 and recreational T20 cricket, supporting the game for men and women.
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Vitality becomes title sponsor of new London half marathon

Vitality has announced it will be the title sponsor of The Big Half, a new half marathon taking place in London on Sunday 4th March. 

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January

Unhealthy employees now cost British firms six working weeks a year in lost productivity

Research from the 2017 Britain’s Healthiest Workplace survey has revealed that employees lose, on average, the equivalent of 30.4 days of productive time each year as they take time off sick and underperform in the office as a result of ill-health.

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Vitality launches new Value Statement as it hands out £63 million worth of rewards 

Vitality has launched new half-yearly Value Statements for its one million members to demonstrate the extra value and rewards they receive for leading a healthy lifestyle. 

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2017 Review

Vitality reaches one million members.

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2017

December 2017

Seven in 10 private medical insurance policy holders have no idea how premiums are calculated under the no claims discount structure
New research from VitalityHealth reveals that 70% of private medical insurance policy holders have no idea how their premiums are calculated under the no claims discount structure.
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November 2017

Vitality to reward parkrun volunteers
Vitality has launched a new reward programme for parkrun volunteers.
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Vitality announces major new elite and grassroots hockey sponsorships
Vitality has announced it will become the Official Wellness Partner of England Hockey. 
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VitalityLife improves underwriting terms for diabetics and other medical conditions
Real time online decisions now available for Type 1 and Type 2 diabetics.
Read more

 

October 2017

VitalityHealth launches new Adviser Hub platform
VitalityHealth has announced the launch of its new Adviser Hub platform, offering 24/7 access and a range of developments aimed at further enhancing the experience for advisers. 
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Winners announced for the 30th Sunday Times Sportswomen of the Year Awards in association with Vitality

The winners of The Sunday Times Sportswomen of the Year Awards 2017 in association with Vitality have been announced at a star-studded ceremony at the

Hilton London Bankside hotel.
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VitalityHealth wins top customer service awards
VitalityHealth has been named as one of the Top 50 Companies for Customer Service in the UK for the third consecutive year. The health insurer won three customer service awards as well as placing within the top 20 for the first time, climbing 16 places from its position in 2016.
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Vitality motivates members to get more active with Apple Watch Series 3 
Vitality has announced an extension to its Vitality Active Rewards with Apple Watch programme, which aims to promote physical activity and better health for its members.
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Vitality puts women in sport at the heart of new social campaign
Vitality has launched a major new social campaign to inspire and celebrate women in sport. 
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VitalityLife wins top accolade at major industry awards
VitalityLife has won the Best Individual Critical Illness/Serious Illness Provider award at the 2017 Health Insurance Awards. 

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VitalityLife launches two new tools for advisers

VitalityLife has launched two new quick and easy tools to help advisers do business with their clients.
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Vitality celebrates two wins at the COVER Excellence Awards

VitalityHealth and VitalityLife each came away with accolades at the 2017 COVER Excellence Awards.
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Shortlist announced for the Vitality Team of the Year Award 2017

The shortlist of finalists has been confirmed for the Vitality Team of the Year Award. This accolade, which celebrates the achievements of Britain’s successful collective efforts, will be one of the highlights of the 2017 Sunday Times Sportswomen of the Year Awards in association with Vitality.
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Shortlists announced for the Sunday Times Sportswomen of the Year Awards 2017 in association with Vitality

The shortlists of finalists have been confirmed for the 2017 Sunday Times Sportswomen of the Year Awards in association with Vitality, and there are six leading contenders for the prestigious Sportswoman of the Year accolade.

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September 2017

Vitality and Disney team up to help families get fit and healthy

Vitality and Disney announce a new collaboration to encourage families to be more active and to live healthier lives.

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VitalityHealth wins Best Private Medical Insurance Provider award

VitalityHealth is crowned Best Private Medical Insurance Provider at the 2017 Investment Life & Pensions Moneyfacts Awards.

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Two health and fitness giants join forces to improve employee wellbeing

VitalityHealth and Nuffield Health joint venture will create a whole workforce solution.

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Britain’s Healthiest Workplace winners announced for 2017

The 2017 Britain’s Healthiest Workplace winners have been revealed and the awards have recognised Nomura International Plc as the healthiest large workplace, adidas the healthiest medium workplace and Forster Communications the healthiest small workplace.

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VitalityLife announces new 'Vitality Lite' option

VitalityLife has widened access to its award-winning product range with the launch of Vitality Lite, which features significantly lower minimum monthly premiums.

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Nominations open for The Sunday Times Sportswomen of the Year Awards 2017 in association with Vitality

The Sunday Times Sportswomen of the Year Awards 2017 in association with Vitality have launched with a call for public nominations. The awards, now in their 30th year, have led the way in recognising and celebrating the outstanding contribution to sport made by elite athletes, coaches, administrators, community volunteers and inspirational women.

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VitalityHealth signs new three-year deal with Alliance Health Group

Birmingham-based Alliance Health Group has recently announced the continuation of its relationship with VitalityHealth in a deal that will extend their affiliation.

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August 2017

Joe Root paints Sheffield pink ahead of inaugural day-night Test

England cricket captain and Vitality Ambassador, Joe Root, returned to his hometown Sheffield to film a promotional video for Vitality ahead of the first pink ball Test match to take place in the UK.

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Vitality extends AFC Bournemouth stadium naming rights deal

Vitality has extended the AFC Bournemouth stadium naming rights agreement for a further three seasons.

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July 2017

Thousands join Olympic hero for VitalityMove

Around 3,000 people joined Vitality Ambassador Dame Jessica Ennis-Hill and legendary DJ Trevor Nelson for the first VitalityMove running festival.

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Global study recognises impact of Vitality insurance model

A new report published by the Shared Value Initiative has recognised the Vitality business model as a leading example of Shared-Value in insurance.

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June 2017

Jonny Wilkinson backs Vitality's #MySummerGoal campaign

Rugby legend Jonny Wilkinson has kicked off #MySummerGoal, Vitality's latest campaign to help get the nation active.

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May 2017

VitalityLife launches new indexation incentive to inflation-proof policies

VitalityLife is launching a new initiative to boost take-up of the indexation option on all protection policies as concern about inflation continues to grow. The initiative will benefit both advisers and clients.

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Long commutes costing firms a week’s worth of staff productivity

Long commutes are causing poor health and productivity outcomes for the nation’s employees, according to research from Britain’s Healthiest Workplace.

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Vitality wins Women’s Sport Trust #BeAGameChanger Award

Vitality has won the Sponsor Partner of the Year Award at the #BeAGameChanger Awards.

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Seb Coe returns to racing action at the Vitality Westminster Mile

Sebastian Coe will return to racing action over the classic mile distance at the Vitality Westminster Mile on Sunday 28 May.

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April 2017

Local schoolchildren join Dame Jessica Ennis-Hill to try VitalityMove

Lucky children from local schools met Dame Jessica Ennis-Hill at Chatsworth House to get an exclusive taste of VitalityMove.

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VitalityLife announces protection claims statistics for 2016

VitalityLife has announced it paid a record amount in claims during 2016, with more than £33m paid in claims on its Life, Serious Illness and Income Protection products.

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Vitality puts employees at the heart of new marketing campaign

Vitality has launched a major marketing campaign that sees employees starring alongside Vitality Ambassadors Jessica Ennis-Hill, Maro Itoje, Joe Root, Ellie Simmonds and Stanley the Dachshund.

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Paralympian swimmer and gold medallist Ellie Simmonds announced as Vitality Ambassador

Vitality has partnered with Ellie Simmonds OBE, five times Paralympic gold medallist and British swimmer, who takes on the role of Vitality Ambassador. Ellie joins current Ambassadors Jessica Ennis-Hill, Maro Itoje, Joe Root and Jonny Wilkinson.

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Sporting heroes join ‘Bring a Ball’ campaign to boost the nation’s health

Sports stars, including England Cricket captain Joe Root, Olympic gold medallist Jessica Ennis-Hill and England Rugby’s Maro Itoje, have thrown their weight behind Vitality's new 'Bring a Ball' campaign

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March 2017

Vitality is Best Mortgage Protection Provider

Vitality wins the Best Mortgage Protection Provider award at the Mortgage Strategy Awards.

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Vitality partners with the Telegraph Vitality Junior Golf Championship

Vitality has become the new title sponsor of the Telegraph Vitality Junior Golf Championship.

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VitalityLife announces enhancements to its Serious Illness Cover product

VitalityLife has announced three new and innovative enhancements to its award-winning Serious Illness Cover product that the firm believes will lead to more claims and, therefore, more pay outs for customers.

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VitalityHealth joins AMII

VitalityHealth has joined the Association of Medical Insurers and Intermediaries (AMII) as a corporate member.

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Vitality joins BT Sport Industry AwardsVitality has announced it will be the Official Wellness Partner of the BT Sport Industry Awards 2017.
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Young people have the unhealthiest lifestyle and are facing challenges in the workplace

Employees aged 35 years old and under have the most financial concerns and are the least physically active, according to data from Britain’s Healthiest Workplace

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Vitality wins award for best PR and marketing 

Vitality celebrated a win at the 2017 LifeSearch Protection Awards, coming away with the Nick Crossman Award for Best PR & Marketing.

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February 2017

Vitality announces plans to launch suite of investment products

Vitality, the life and health insurer, announces that it plans to launch a suite of investment products towards the end of 2017.

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Unhealthy employees costing British firms more than one month a year in lost productivity

British employers are losing on average 27.5 days of productive time per employee each year, equivalent to £73 billion annually, as staff take time off sick and underperform in the office as a result of ill-health.

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Vitality becomes first headline partner of parkrun UK

Jessica Ennis-Hill launches new partnership between Vitality and parkrun UK and takes part in her local Sheffield parkrun.

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January 2017

VitalityHealth and Business in the Community announce collaboration on Britain’s Healthiest Workplace

VitalityHealth and Business in the Community have announced a collaboration on Britain’s Healthiest Workplace from 2017.

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VitalityLife launches Wellness Optimiser and Vitality Nurse

VitalityLife launches two innovative new developments for the protection market: Wellness Optimiser and Vitality Nurse.

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VitalityHealth appoints new Director of Corporate Business

VitalityHealth has promoted Pippa Andrews to the role of Director of Corporate Business.

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A third of UK adults at risk from drinking too much, yet just 6% of those at risk say they want to cut down

One third of UK adults are exceeding weekly alcohol guidelines according to data from Britain’s Healthiest Workplace, the UK's most comprehensive workplace wellness survey.

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2016

October

Vitality lines up England Rugby star Maro Itoje as its new Ambassador
Vitality today announced a partnership with Maro Itoje, one of England’s most exciting young rugby players, who takes on the role of Ambassador. Maro joins Vitality Ambassadors Jessica Ennis-Hill, Jonny Wilkinson and Joe Root. 
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VitalityHealth to change the open referral model with the launch of Consultant Select
VitalityHealth is introducing Consultant Select, a new open referral pathway that not only offers enhanced customer value, but also avoids the negative perceptions associated with reduced customer choice.

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