Vitality Life Insurance – Cover That Rewards Healthy Living
Flexible Plans
FCA Regulated Broker
Customisable Policies
A Policy for Everyone
Vitality Life Insurance goes beyond traditional protection – it’s insurance that rewards you for living well. With comprehensive cover, flexible options, and a unique focus on your wellbeing, Vitality helps you protect your family financially while enjoying everyday benefits for making healthy choices.
At Insured-Life, we’re here to help you understand the ins and outs of Vitality’s life insurance plans so you can decide if it’s the right fit for you. Whether you’re looking for affordable term life insurance, a plan that adjusts with your lifestyle, or extras like Serious Illness Cover, Vitality has options worth exploring.
Why Choose Vitality Life Insurance?
✅ Life Insurance That Does More
Vitality isn’t just about payouts – it’s about improving your life while you’re living it. Through the Vitality Programme, you can earn discounts and rewards for staying active and looking after your health.
✅ Trusted UK Life Cover
Vitality is one of the UK’s most innovative life insurers, known for combining high-quality protection with wellness incentives. Their approach has helped thousands of UK families secure financial peace of mind.
✅ Tailored to You
From choosing your level of cover to adding serious illness protection or income protection, Vitality’s policies are flexible and can grow with your needs.
Key Features of Vitality Life Insurance
|
Feature |
Details |
|
Policy Types |
Term Life Insurance, Whole of Life, Family Income Benefit |
|
Age Eligibility |
16 – 74 years old |
|
Term Length |
5 – 70 years (or up to age 90) |
|
Minimum Cover |
£10,000 |
|
Add-Ons Available |
Serious Illness Cover, Income Protection, Waiver of Premium |
|
Vitality Programme |
Access to rewards and discounts for staying healthy |
|
Claims Payout |
Over 99.7% of life insurance claims paid (2022 Vitality report) |
|
Optional Indexation |
Keep your cover in line with inflation |
|
Level, Decreasing or Indexed Cover |
Choose the type of cover that best fits your financial goals |
What is the Vitality Programme?
This is what really sets Vitality apart from other life insurance providers. With the Vitality Programme, you’re rewarded for healthy habits like walking, exercising, eating well, or even getting regular health checks.
Here’s how it works:
- Earn Vitality Points by completing healthy activities.
- The more points you earn, the higher your Vitality status (Bronze, Silver, Gold, Platinum).
- Your status determines the rewards you unlock – including discounts on gym memberships, free coffees, Amazon Prime discounts, half-price Apple Watches, and more.
This built-in incentive not only supports your wellbeing but can also lower your premiums over time.
Types of Vitality Life Insurance Cover
1. Term Life Insurance
Pays out a lump sum if you die during the term of your policy. This can help your family manage mortgage repayments, household bills, or other living expenses.
- Choose level, decreasing, or indexed cover.
- Term options from 5 to 70 years.
- Option to add Serious Illness Cover.
2. Whole of Life Insurance
A policy that lasts your entire life and guarantees a payout to your loved ones. Ideal for estate planning, funeral costs, or leaving behind a legacy.
3. Family Income Benefit
Instead of a lump sum, your beneficiaries receive monthly income payments if you pass away – helping to cover ongoing household costs.
Optional Extras You Can Add
🔹 Serious Illness Cover
Covers you for over 180 conditions – more than most providers. Vitality pays out based on the severity of your condition, not just whether it’s on a standard list.
🔹 Income Protection Insurance
Replaces a portion of your income if you can’t work due to illness or injury. Get up to 60% of your salary (capped) while you recover.
🔹 Waiver of Premium
If you’re unable to work due to illness, your premiums are waived after a set period, keeping your cover intact.
How Much Does Vitality Life Insurance Cost?
Vitality premiums start from as little as £8/month, depending on your age, health, cover level, and chosen add-ons. What’s unique is that you can reduce your premiums over time by engaging with the Vitality Programme.
Example pricing (non-smoker, £200,000 cover, 25-year term):
- Age 30: from £9.45/month
- Age 40: from £15.62/month
- Age 50: from £27.33/month
Quote amounts are indicative only. Use our free quote tool for a tailored estimate.
Vitality Life Insurance – Pros and Cons
✅ Pros
- Innovative rewards system
- Flexible policy options
- High Serious Illness Cover definition list
- Wellness support built in
- Discounts on health and lifestyle brands
❌ Cons
- Premiums can be slightly higher at start
- Requires ongoing engagement to access full rewards
- Some rewards linked to higher Vitality status
Real Customer Reviews
⭐⭐⭐⭐⭐
“Vitality gave me peace of mind and a reason to stay fit. I never expected life insurance to come with cinema tickets and gym discounts!”
– Amy J, London
⭐⭐⭐⭐
“I added Serious Illness Cover, and it helped me during a tough time. Claim process was straightforward.”
– Mike P, Manchester
⭐⭐⭐⭐⭐
“My premiums have stayed low because I walk every day. The app makes it easy to track progress.”
– Sarah M, Bristol
Compare Vitality With Other UK Life Insurance Providers
|
Provider |
Wellness Rewards |
Serious Illness Cover |
Claims Paid % |
Mobile App |
|
Vitality |
Yes |
180+ conditions |
99.7% |
Yes |
|
Legal & General |
No |
Limited |
99.3% |
Yes |
|
Aviva |
No |
30+ conditions |
99.4% |
Yes |
|
AIG |
No |
Yes |
98.9% |
Yes |
Get a Free Vitality Life Insurance Quote
Finding the right life cover is easy with Insured-Life. Our experts help you compare quotes, understand the fine print, and tailor your cover to suit your budget and needs.
✔ No obligation
✔ Free expert advice
✔ Quick and easy quotes
👉 Click here to get your free Vitality Life Insurance quote now.
Frequently Asked Questions
Is Vitality life insurance worth it?
Yes – especially if you value staying healthy and want to be rewarded for it. You’ll receive great protection plus everyday benefits through the Vitality Programme.
Do you need a medical for Vitality life cover?
Not always. For smaller policies, a medical might not be required. For larger cover amounts or if you have pre-existing conditions, you may need to complete a short health assessment.
Can I cancel my policy at any time?
Yes, you can cancel Vitality life insurance at any time. There’s also a 30-day cooling-off period for a full refund if you change your mind.
How do I claim with Vitality?
The claims process is straightforward. Simply contact their claims team by phone or online and provide the necessary documents. Most life claims are paid within days.
If you’re looking for more than just a life policy, Vitality Life Insurance could be a smart choice. With solid cover options and a unique focus on healthy living rewards, it’s ideal for people who want both protection and incentives to look after their wellbeing.
Ready to protect your future and enjoy life now?
Get your free Vitality quote today with Insured-Life.
Explore Our Life Insurance Services
Our life insurance process…
01
Needs Assessment
Tell us how much money you would need to financially protect your loved ones
02
We’ll Call You
We will call you to discuss your options and provide comprehensive free quotes
03
You’re Protected
You decide which policy to take and get protected today with no medicals or forms
Top Reasons to Choose Us
Comprehensive Coverage Options
Insured-Life.co.uk offers a wide array of insurance products, including life insurance, income protection, critical illness cover, mortgage protection, and over 50s life cover. This extensive selection allows you to find a policy that aligns with your specific requirements.
Access to Multiple Insurers
As an independent broker, Insured-Life.co.uk compares policies from a diverse panel of leading UK insurers, such as Legal & General, Aviva, and LV=. This independence ensures that you receive unbiased advice and competitive quotes tailored to your circumstances.
Additional Benefits and Services
Beyond standard insurance coverage, Insured-Life.co.uk provides extra services like placing your policy into trust at no additional cost, potentially protecting the payout from inheritance tax.
What Sets Us Apart
Safe Practices
Selling life insurance is about more than just policies—it’s about protecting futures with integrity and responsibility. Safe practices ensure that every client receives honest, transparent, and ethical guidance, helping them make informed decisions with confidence. From clear communication and accurate policy information to adhering to FCA regulationsand safeguarding personal data, trust is at the heart of everything we do.
FCA Regulated
At Insured-Life.co.uk, we are fully FCA-regulated, ensuring the highest standards of security, transparency, and ethical practice in life insurance. This means you can trust us to provide expert advice, fair policies, and protection that truly meets your needs. We work with leading UK insurers to offer reliable cover, giving you peace of mind that your loved ones will be financially secure.
Quick Policy Setup
At Insured-Life.co.uk, we make getting life insurance fast, simple, and stress-free. With our quick policy setup, you can secure the protection you need in just minutes. No lengthy paperwork, no complicated processes—just straightforward cover designed to give you peace of mind.
Get a quote, choose your policy, and enjoy the reassurance of knowing your loved ones are protected.
TESTIMONIALS
Hear from Our Customers
B Grant
Excellent customer service
Excellent customer service. Spoke to Daniel and he was so professional and knowledgeable which was reflected in the information he gave me. Detailed information I must add. I felt at ease throughout the call and never once did I feel I was being pressured to open a policy. It was my decision.
Lesley Phillips
I knew I had to take out a life policy…
I knew I had to take out a life policy for my husband and myself to cover funeral costs but kept putting it off .
Anastasia called us back as requested and guided us through the application. Thank you for making it easier than we thought so informative and helpful giving us the policy that was exactly what we asked for.
Highly recommended
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?
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