Optimiser
Get more from your life insurance with Optimiser.
You make healthy living choices and we'll reward you.
What is Optimiser?
Optimiser is an add-on to your plan, for no extra cost, when you take out life insurance with us.
Optimiser simply gives you access to our best available premiums. Plus, when you engage with the Vitality Programme you can maintain your premiums over time, by earning Vitality points to reach Platinum status.
The more you look after your health, the more likely you are to stay healthy.
So if you make healthy living choices, we'll reward you. That's good for you and good for us.
What will I get?
When you buy life insurance with us and add on Optimiser, we give you access to our best available premium in anticipation that you'll take care of your health.
So, you'll get:
- Up to 40% off your life insurance premiums
- The opportunity to keep your premiums lower - in return for you taking care of your health
- Quicker underwriting - applying for life insurance can be a lengthy process. With Optimiser, we'll ask you less questions.
To add it to your plan, speak to our team once you’ve got a quote.
How It Works
Optimizer helps you to get more from your life insurance and rewards you for being healthy.
Join Vitality
Buy life insurance with us and add on Optimiser.
Get active
Track your activity to earn points, rewards and improve your Vitality status.
Reduce your premiums
The higher your Vitality status the lower you could keep your 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
- This gives you access to all partners and rewards, like Apple Watch and Waitrose & Partners.
How can I keep premiums low?
By doing healthy things. Earn Vitality points, increase your Vitality status and keep your premiums lower.
Stay on Bronze
0 to 799 points
+2.5% on premiums
Get to Silver
800 to 1,599 points
+1.5% on premiums
Reach out for Gold
1,600 to 2,399 points
+0.5% on premiums
Stretch to Platinum
2,400 or more points
0% on premiums
We reward your healthy choices
Do healthy things to improve your annual Vitality status like...
Take a health check
Know your health, with a virtual or face-to-face health check. Earn up to 240 Vitality points
Eating healthy foods
Get discounts off Mindful Chef and Waitrose by eating health and hitting the points targets
Staying active
Earn points by staying active. Find a way that suits you, whatever keeps you moving