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Life insurance for families

5 Star Defaqto rated cover to protect your nearest and dearest.

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Protect your family's financial security for the future

If you couldn't work, or you passed away, a life insurance payout would help your family's finances. They could use the money to pay off debts, like the rest of your mortgage.

Family life insurance isn't a standalone plan or product. It just refers to a life insurance plan.

How much life insurance do you and your family need?

Call us on 0330 678 3328 to speak to an expert adviser or get a quote.

Do I need life insurance for my family? 

It's common for people to consider life insurance if:
  • You don’t have enough savings to cover your outgoings if you weren't earning
  • You're about to start a family or already have children
  • You couldn't pay for your child's school or university fees if you weren't earning.

What's the best type of life insurance cover for my family?

Below are some of the award-winning cover options that we offer. You can choose one plan, or combine options so it's personalised for you and your family.

  • Life insurance

    Umbrella icon

    This pays out a tax-free lump sum to you or your family if you become terminally ill or die.

    More on life insurance

  • Income protection insurance

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    If you get sick and can't work, income protection insurance pays you part of your monthly income. It's tax free and helps you protect your finances while you recover.

    More on income protection insurance

  • Serious illness cover

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    You can add serious illness cover to a life insurance plan or buy it as a standalone plan. If you're diagnosed with a serious illness we cover, you'll receive a lump sum payout.

    More on serious illness cover

  • Mortgage protection insurance

    home icon

    Mortgage protection pays off the rest of your loan if you become ill or die during the plan. This means your family could keep their home.

    More on mortgage protection insurance

Why choose Vitality’s life insurance for your family?

✓ A brand you can trust - We paid 99.7% of life cover claims in 2023 (Vitality Claims Report, 2024).
✓ Affordable cover - Get discounted premiums when you add Optimiser to your plan. Plus, get active and you could keep your premiums lower.
✓ Access to Vitality partner discounts and rewards - Add your children to your plan and get them discounts at Runners Need, Garmin and more.
✓ Add children to your plan - Add more children to your plan without further underwriting.
✓ Vitality Plus members - one adult member can book a Vitality Healthcheck at no cost within the first year. Further health checks on the plan for £12.50 per member.
✓ Free no-obligation advice - Our advisers offer free, expert advice.
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Better rewards with the Vitality Programme

At Vitality, it's not just insurance, get active and be rewarded.

By getting active each week, you can earn a maximum of 8 Vitality points per day and up to 40 Vitality points per week.

✓ Kickstart your fitness journey and understand your health better with a Vitality Healthcheck. 
✓ Get active to earn discounts and rewards from our partners. 
✓The healthier your efforts, the more points you earn, which contribute to your Vitality status: Bronze, Silver, Gold or Platinum.
✓ Access the Vitality Programme for children at no extra cost with Child Serious Illness Cover. 

Find out more about the Vitality Programme

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How much cover do I need?

Call us on 0330 678 3328 to speak to an adviser.

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Life insurance for families FAQs

Can I add my parents to my insurance?

No, you can only add your spouse and children to your plan.

Can I change my plan later?

Yes. If your circumstances change you can increase your cover or buy extra plans. You can also choose to add indexation to your plan at no extra cost. This makes sure you always keep the level of cover you need and increases your cover each year. You can also choose to opt out of any future increases.

Can I take out life insurance while pregnant?

Yes you can. Take your little one into consideration when deciding on the type of plan.

Could life insurance help me cover the cost of having a baby?

Life insurance could ensure the costs of having a baby are covered if something happened to you.

Is a spouse a dependant?

If your spouse is relying on you financially, then they are considered a dependant.