Skip to Content
Vitality Logo
Search Vitality Log in Log in Get a quote

Later life and dementia insurance

Cover to help with the costs of later life conditions like dementia, Alzheimer’s, and Parkinson's.

Get a quote

In the UK, we’re living longer than ever before

  • By 2030, the average life expectancy is expected to reach 90 (Imperial College London, 2017)
  • Someone is diagnosed with dementia every three minutes
  • By 2025, there will be one million people suffering with dementia (alzheimers.org, 2019)
  • The average cost of care for someone with dementia is £100,000 (Alzheimer's Society, 2018).
Despite these figures, few insurers offer cover to help pay for it. That's why we created Later Life Options, to support with the financial impact of later life.

How does later life and dementia insurance work?

When you buy serious illness cover with us, you can add on a Later Life Option. When your serious illness cover plan ends, later life cover begins.

If you’re diagnosed with dementia, Alzheimer's, Parkinson’s, stroke or frailty, we’ll pay you a lump sum. The payment you’ll receive is based on the severity of your condition. This means you could get more money if your condition gets worse.

Your later life and dementia insurance options

Add either option to serious illness cover

  • Dementia and FrailCare Cover 

    Decorate image of Dementia and FrailCare Cover

    You can add this to serious illness cover at no extra cost.

    You’ll be covered for 50% of your serious illness cover plan amount.

    Maximum payout is £100,000.

  • Dementia and FrailCare Cover Plus

    Decorate image of Dementia and FrailCare Cover Plus

    You can add this to serious illness cover for an extra cost. This starts from £4 a month.

    You’ll be covered for the same amount as your serious illness cover plan.

    Maximum payout is £200,000.

Why choose our later life and dementia insurance?

✓ 5 Star rated cover
✓ A brand you can trust – last year, we paid out 99.6% of claims (Vitality Claims Report, 2021)
✓ Discounts and rewards for healthy living – save money on gym fees, activity trackers, sports shoes and more
✓ Access discounted care – we’ve partnered up with SuperCarers to give you 20% off the first £3,000 of ongoing care
✓ Funeral cover – if you also have term life insurance with us, we’ll pay up to £10,000 towards your funeral.
5 Star Defaqto logo and Trustpilot logo
Want to get a quote?

It only takes two minutes.

Get a life insurance quote
Need advice?

Call us on 0161 974 2517. Our team are on hand to answer your queries. 

Request a callback

Relevant guides and articles

  • Serious and critical illness cover

    doctors walking along hospital corridor

    Serious and critical illness cover pays out a lump sum if you’re diagnosed with a serious condition. The condition may not be life threatening, but it still impacts your life. 

    Serious and critical illness cover explained

  • Life insurance premiums

    Woman drinking a smoothie whilst sat in front of her laptop

    How are life insurance premiums calculated? Here’s everything you need to know about premiums, how they’re calculated and things to consider. 

    Life insurance premiums explained

  • Life insurance and funeral planning

    Man standing by candles and flowers

    Read our guide to life insurance and funeral cover, here. Learn about the policy options available, costs of a funeral and ways of paying for the ceremony.

    Life insurance and funeral planning explained

Later life and dementia insurance FAQs

Do I need later life insurance?

Dementia care can be up to 40% more expensive than standard social care. The typical cost for one person is £100,000 (Alzheimer's Society, 2018).

If you’re concerned about paying this, later life and dementia insurance could help.

Can you get insurance against dementia?

Serious and critical Illness cover can help reduce the financial impact dementia can cause. You’ll receive a tax-free lump sum that can be used for anything, like treatment and household bills.

Is dementia classed as a critical illness?

Yes, dementia is classed as a critical illness. 

Does life insurance pay out for dementia? 

Life insurance pays out to your loved ones when you pass away or are diagnosed with a terminal illness.

If you pass away due to dementia, your life insurance policy will pay out. If you’re diagnosed with dementia, your life insurance won’t pay out because it’s not classed as a terminal illness.

This is when critical or serious illness cover would pay out.