Life insurance that makes life better
Protect you and your family and get rewarded when you look after your health. Prices from £5 a month.
You can count on us to protect you and your family
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.
Why Vitality Life insurance?
Life insurance cover from £8
Get cost effective and affordable cover from £8 per month
Live with peace of mind
99.6% of life insurance claims paid out (2021). Thousands of Trustpilot reviews
Stay healthy with top rewards
75% off Champneys, 40% off a Garmin device, 25% off Runners Need and many more
Support when you need it
Access to the Member Zone & app and get easy access to support
Save on premiums by being active
You could keep your premiums lower and get rewards.
Our best available premiums
Enjoy premiums of up to 40% lower than standard when you add Optimiser to your plan
Join the Vitality Programme
Track your healthy activity to earn Vitality points. Your Vitality points contribute to your Vitality status
Get rewarded
Simply by being active, you'll unlock rewards, like gym membership, spa breaks and coffee. Explore Vitality partner discounts and rewards.
Be active to benefit annually
Keep your great discount every year when you stay active and earn Vitality points
Choose your cover type
Decreasing cover
The cover amount decreases broadly in line with the amount outstanding on a repayment loan. Ideal cover for your mortgage.
Level cover
The cover amount remains the same throughout the duration of your plan. It'll only change if something happens, like you make a claim or change your cover.
Indexed cover
The cover amount rises each year in line with inflation. This ensures that your cover keeps track of the cost of living.
Who do you need life cover for?
Cover for me
Give your loved ones a lump sum payout if you die
Joint policy
Protects you and your partner in one policy, with a lump sum payout if either of you die
Family cover
Protect your family's financial future if you're terminally ill or you die
How does life insurance work?
It's not as scary as it sounds.
What is Life Insurance?
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.
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 but 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
- Life insurance plan summary (PDF xxKB)
- Life insurance plan terms and conditions (PDF xxKB)
Learn more about Life Insurance
Read some of our popular guides.
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Life insurance premiums
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