How much life insurance cover do I need?
Find out how much cover you might need and what type of life insurance is right for you.
Why do I need life insurance?
Life insurance helps keep your loved ones finances secure if something were to happen to you. Having life insurance can help them pay off things like debts, bills and the mortgage. To make sure you don’t leave your loved ones short, it’s important to take out an amount of cover that's right for you. Whatever amount of cover you need depends on a few things, like:
- Your personal circumstances
- Your family’s needs
- How much you can afford to pay towards your monthly premiums
How much cover do I need?
Call our expert advisers on 0330 678 3328
Calls to ‘03’ numbers cost no more than a national rate call to an 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.
What to consider when choosing your cover amount
Review your protection needs regularly
- Once you’ve bought a life insurance policy, it’s important to review the amount of cover you need on an annual basis
- As your circumstances change, so too will your cover amount.
- If you pay off some of your debts or have a new baby, the amount of cover you need will need to be adjusted to reflect this.
- Speak to one of our expert advisers for tailored advice.
Why choose cover with Vitality?
Benefit from a life insurance plan which rewards you for being healthy.
- A brand you can trust - Last year, 99.7% of life cover claims were paid out1
- Award-winning cover - 5 Star Defaqto rated life insurance cover
- Discounts and rewards - Access a range of discounts and rewards with Vitality partners
- Free no-obligation advice - Our advisers are highly trained and offer free, expert advice.
Learn more about life insurance
1 Vitality Claims and Benefits Report 2024