Life insurance
- Protect you and your family
- Get rewarded when you look after your health
- From £5 a month.
You can count on us to keep you covered
What is life insurance?
Life insurance gives your loved ones a lump sum when you pass away or if you’re diagnosed with a terminal illness.
Consider a life insurance policy if you have children or loved ones who are financially dependent on you.
They can use the money for anything, like paying off your mortgage and funeral costs.
Not sure if this is what you need? You may be interested in:
Income protection
Pays you a monthly income if you get sick or injured and can’t work.
Serious illness cover
Get a lump sum if you’re diagnosed with a serious illness like cancer.
Why our life insurance can be a life saver
We can help you protect your loved ones and live a longer, healthier life.
Get healthy with top rewards
Discounted gym memberships, spa breaks and weekly coffees
Get up to 40% off premiums
The healthier you are, the lower your premiums stay
Live up to 5 years longer
Keep healthy and active with Vitality and you could add up to 5 years to your life.[1]
Live with peace of mind
We paid 99.7% of life cover claims in 2023 (Vitality Claims and Benefits Report, 2024)
How can Vitality help you live longer?
It's official. Our plans can help you live up to 5 years longer. How so?
- Vitality gives you tools and rewards to help you build healthy habits that stick
- The more you get active, the more years you can add to your life - up to five more years
- Our seven-year study proves it and the methodology has been independently verified by the London School of Economics (LSE)
So, if you're curious about how we help our members live longer...
[1] Based on members who move from 0 to 21+ activity points a week throughout their lifetime, applied to standard UK mortality rates.
How does life insurance work?
It's not as scary as it sounds.
Pay monthly
You can pay this via Direct Debit. Our life insurance starts from just £5 a month.
Make a claim with us
If you pass away during your plan term, your loved ones will make a claim.
Your family get a lump sum
When the claim is approved. They could use this for anything, like paying off the mortgage.
What are the different types of life insurance?
There are two types of life insurance policies - term life insurance and whole of life insurance.
The most popular and cheaper of the two is term life insurance, which covers you for between five and 70 years. If you pass away within the policy term, your loved ones get a lump sum.
Whole of life insurance lasts your whole life so your family get a guaranteed lump sum. The policy only ends when you pass away, so the monthly premiums are more expensive.
How much money should you leave your family?
Have a think about how much:
- Is left to pay off on your mortgage
- Other debts you need to pay off, like credit cards and loans
- Money you’d need for childcare or education
- Money your family may need to cover your funeral
How much does life insurance cost?
How much you pay for life insurance depends on things like:
- How much cover you need e.g. to cover a mortgage or school fees
- Your health and lifestyle, including previous conditions or smoking
- Whether you have a high-risk job such as a firefighter
Our life insurance starts from £5 a month and you get up to 40% off your premiums in the first year*.
Keep that great discount every year when you stay active.
Important policy documents
Personal Protection Plan Summary (PDF 189KB)
Personal Protection Plan Provisions (PDF 903KB)
Your benefits and rewards
Enjoy regular rewards from top brands. Just for looking after your health.
Get additional cover
We also offer cover against serious illness, sickness and injury.
Life insurance FAQs
