Save up to 40% on your premium right away
- Get our lowest price without losing any cover
- Keep your price low when you look after your health
- Enjoy top rewards for healthy habits
We believe you should be rewarded for your healthy choices
What if you could save money and get healthy at the same time? Take out a Vitality life insurance plan and add Optimiser. When you make healthy choices - you can:
Keep your price low every year
To keep your premium low, just look after your health - things like tracking your steps and keeping tabs on your general health. To help you get started, you get a free in-person healthcheck in your first year.
Get rewarded along the way
To help you build healthy habits that stick, you can also enjoy regular rewards and savings worth hundreds a year.
What will I get?
Our best available price
Up to 40% off your whole of life insurance premium and up to 30% off term life insurance.
Premiums that stay low
The healthier you are each year, the lower your premium stays.1
Help to get healthier
Get the tools you need to build healthy habits that stick. Get rewarded for it, too.2
Get a quote
It takes minutes online. Or you can get free advice from one of our qualified experts. Just call us on 0330 678 3328 or book a callback.
How does Optimiser work?
Keep your premiums lower by looking after your health. We'll give you an upfront discount, you do the rest.
Join Vitality
Buy life insurance with us. Add on Optimiser. Register on the Vitality Member app
Get active
Link a device to track your activity and earn points. That improves your Vitality status
Save money every year
The higher your Vitality status, the lower you could keep your premiums
How can I keep my premiums low?
Everyone starts on Bronze Vitality status. Work your way to Platinum and keep your premiums lower.
Stay on Bronze
+2.5% on premiums
Reach Silver
+1.5% on premiums
Reach Gold
+0.5% on premiums
Reach Platinum
0% on premiums
Get even bigger and better rewards
Want to access the full range of Vitality partners and rewards?
Take these steps:
- Buy life insurance and add on Optimiser
- Have a monthly premium of at least £45 for a single plan, or at least £60 for a joint plan
- Pay a monthly fee of £4.75 per person per month
- This gives you access to all partners and rewards, like Apple Watch and Waitrose & Partners.2
Vitality Life members saved £43m through Optimiser discounts in 2023*
Want some help?
You can always get free advice from one of our qualified experts. Just call us on 0330 678 3328
Or
We’re more than happy to help you find you the right cover, at a price that works for you. No obligations, no hidden charges.
Call charge information
We reward your healthy choices
Do healthy things to improve your Vitality status like...
Take a health check
Know your health, with a virtual or face-to-face health check
Eating healthy foods
Hit your points targets to get discounts at Mindful Chef and Waitrose
FAQs
Sources
- Only available when you add Optimiser to your plan. An extra monthly fee of £4.75 per person per month may apply. Get an up upfront discount of 40% on Whole of Life insurance or up to 30% discount on Term life insurance. Minimise your premium increase by looking after your health and building your Vitality status.
- To get the full range of rewards, you need to have a monthly premium above £45 for a single plan, or above £60 for a joint plan. An extra monthly charge of £4.75 per person per month may apply.