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Life Cover

Protect what matters, wherever you are in life

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Award-winning life insurance

Whether you're single, in a relationship, have children or getting ready to retire, life insurance can give you – and those you love most - the precious reassurance that comes with knowing the future is more financially secure.

WHAT IT IS
Life Cover pays out a sum of money to your family or a nominated person when you die. With our 5-star Defaqto cover, you can either take out Term Life Insurance for a fixed number of years; or Whole of Life Cover for the rest of your life.

HOW IT HELPS
By taking out Life Cover, you know that your actions today will give your family some extra welcome help tomorrow. If the worst should happen to you, we can help with such things as paying off your debts, household bills or mortgage repayments, to give your family a little extra support when they need it most.

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Our personal protection options

We offer a range of award-winning insurance plans that protect you and your future. To find out more about our different life insurance products, choose the option that best suits your needs.

FAQs

Why should I buy life insurance?

For many people, life insurance is an excellent way to protect the things that matter the most – such as making sure your family’s financial future is more secure if something unexpected happens to you. It can also help to protect financially against critical illnesses, the loss of income if you get ill, or to ensure your mortgage repayments are covered if anything were to happen.

How do you work out the price of my life insurance?

Your premiums are based on lots of things, such as your age, height and weight; your health; whether you’re employed in a high-risk occupation; and whether you smoke. Cover with VitalityLife can start from just £8 per month but can change depending on such things as the amount of cover you need, the amount of time you want to be covered for, any pre-existing medical conditions etc.

Can I add Critical Illness Cover to my plan?

We don’t offer Critical Illness Cover, we offer Serious Illness Cover, which is different as it pays you out for less severe conditions as well as critical ones. Serious Illness Cover gives you a percentage of your cover amount based on the severity of your condition. This means we’re able to pay out on a wider range of illnesses - not just the debilitating or life-threatening ones covered by typical critical illness policies.

With us, you can include Serious Illness Cover with Life Cover or take it on its own. The level of Serious Illness Cover you’ll need depends on a few things, so we recommend talking to a VitalityLife adviser first.

Can I change my plan if my circumstances change?

Yes. If your circumstances change you can increase your cover or buy extra policies. You can also choose to add indexation to your plan at no extra cost. Indexation protects you against rises in the cost of living, making sure you always keep the level of cover you need and increases your cover each year without the need to go back through our application process. You can also choose to opt out of any future increases.

How long should my life insurance cover be for?

It’s entirely up to you. We offer a minimum term of five years or a term that covers you for the rest of your life . Most people will align their length of time with when they expect their mortgage to be paid off. You can then continue to reassess your protection needs as your life circumstances change.

Do I need to have a medical exam before I take out life insurance?

Not necessarily, but you must tell us about any medical conditions as part of your application. If you don’t suffer from any conditions you may not need to have a medical.

How much life insurance cover do I need

This will vary depending on your personal circumstances. Have a think about:

- How much is left to pay on your mortgage
- How much other debt you have to pay
- How much you would need to pay towards childcare or education
- How much your loved ones would need to maintain their lifestyle
- How much you may need if you get a critical illness
- How much you can afford

You can find out more here, otherwise if you’re new to life insurance it can be a good idea to get tailored advice from a qualified financial adviser. Our expert team can offer free no-obligation advice over the phone on 0161 2167 595

What’s the difference between level, decreasing and indexed life insurance?

This is used to determine the structure of your plan and the value that it’s worth over time. The monthly premiums you pay may change depending on this.

Level cover means that the value of your plan stays the same over time. It will only change if something happens such as you make a claim or change your cover.

Indexed cover means that the value of your plan will increase each year to align with inflation and rises to the cost of living.

Decreasing cover means that the value of your plan decreases over time. This may align with decreases to your mortgage amount as you continue to pay it off.

Making the right choice

Explore our different insurance options to see which one’s right for you.
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Why choose VitalityLife?

Choose confidently with award-winning Life Cover. Our parent company Discovery cover 7.5 million customers worldwide.

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0161 974 2517

Speak to a VitalityLife adviser for tailored advice. 
Lines open: 
Monday to Thursday 9am-7pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed

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2 Members on Bronze or Silver Vitality status will need to earn 12 Vitality points in a week for getting active to unlock their cinema ticket. Codes are not valid for viewings at Cineworld Leicester Square or for alternative content and special showings. Upgrades for 3D and 4DX films are available at Cineworld for an additional cost. Upgrades for 3D films and VIP seats are available at Vue for an additional cost. VIP seats can only be booked at the cinema and not online. Cinema ticket voucher codes can only be used by Vitality members. In absolutely no circumstances can voucher codes be sold or gifted to third parties by a member.

3 Applies to return economy flights to selected domestic and short haul destinations within the UK and Europe and includes taxes and charges. The discount is subject to a minimum stay depending on the day of departure. Two nights overnight stay needed for Sunday to Thursday departures, and one night overnight stay needed for Friday and Saturday departures. You can book up to two trips a year depending on your Vitality status. Please note that if you pay by credit card, a separate credit card fee will apply. The discount applies to standard, hand baggage only, semi-flexible and fully-flexible fares. The discount does not apply to optional extras such as special baggage fees.