Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.

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Vitality Income Protection




Policy Terms PDF
Key facts PDF

Company Type

Public Limited Company

Company Overview

Launched in September 2007, PruProtect was a partnership between Discovery, a South African insurer and Prudential.

In 2014 Discovery bought Prudentials share in the business and rebranded the firm Vitality. As was core to the original product VitalityLife has an extensive healthy living benefits scheme aimed at improving the health and wellbeing of its customers.

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Income Protection Overview

A innovative protection account which can hold a range of personal protection products. The Vitality program is used throughout the account to help promote healthier living in turn rewarding you with lower premiums.


Vitality use an ‘Own Occupation’ incapacity definition for the vast majority of occupations…


The Vitality product has a core premium which is guaranteed for the full term of your policy…


It is important to note as is still the case with many insurers Vitality do not publish their claims statistics…


The Vitality product has an application which includes full medical underwriting so you know exactly where you stand from the outset…


Vitality Policy Conditions

An overview of the key policy details of Vitality.

Overview of Key Policy Details

Policy Type

Income Protection
(Accident & Sickness Only)


Private Limited Company

Premium Type

Reviewable option also available

Maximum Claim Duration

Until the end of the plan or when you are able to return to work, whichever is sooner.

Incapacity Definition

Own Occupation
Incapacity definition for the majority of occupations. Only the most high risk occupations having a work tasks definition.

Deferred Period

4 / 13 / 26 / 52 weeks


When selected Vitality will annually increase your benefit by the Retail Price Index whilst the premium will rise the Retail Price Index plus an additional 2.5%.

Waiver of Premium


Maximum Cover
(% Income)

60% Gross
Taxable Earnings
60% of earnings for first £30,000 pa, 50% of earnings thereafter.

Maximum Cover
(£ per month)


Max. Policy Cease Age

70 years old

Min. Policy Term

5 years

Min. Entry Age

17 years old

Max. Entry Age

59 years old

Guaranteed Insurability

  • Mortgage Increase
  • Marriage or Civil Partnership
  • Childbirth or Adoption
  • Over 10% Increase in Salary
  • Every Third Policy Anniversary

Guaranteed Benefit

If you choose to verify your salary at the application stage, Vitality will guarantee you receive the agreed amount when you claim.

Overseas Travel

If the policyholder is permanently based outside the UK Vitality will cover the life provided they reside either the EU, , Australia, Canada, Channel Islands, Cyprus, Gibraltar, Iceland, Isle of Man, Malta, New Zealand, Norway, Switzerland, United States of America.

If the policy holder is permanently based outside the UK and not in a country listed above no cover will be provided.

For individuals temporarily based outside the UK, the benefit payments will be paid for a maximum of 12 months.

Policy Exclusions

No Standard Exclusions

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Drewberry reviews Vitality Income Protection…

Vitality have built a reputation for providing a unique offering in the market right across their health and protection products. With regards to income protection specifically, although some additional benefits provided are unique, the core of their policy is the same as other providers.

Key Comparison Points

  • Like most (but not all) insurers, Vitality will not cover very manual workers with the Own Occupation definition of incapacity;
  • If inflation Index Linking is added to the policy, Vitality will increase the level of cover by inflation but would increase the premiums by inflation plus 2.5% (some other insurers would only increase the premiums by inflation, without the extra percentage);
  • The policy includes a Recovery Benefit of up to £2,000 to pay for medical assistance to help aid the recovery process (such as for private medical treatment);
  • For deferred periods ranging from 13 weeks to 52 weeks the insurer would pay a Cash Bonus of 50% of your monthly benefit for the first month back to work and another 25% for the second month back to work (this benefit is discretionary for shorter deferred periods);
  • For individuals who want cover but who are on a tight budget, L&G also provide the option of a limited benefit period policy that could only payout for a maximum period of five years.

Policy exclusions

Vitality income protection cover does not have any standard exclusions but if you move to live outside of their list of permitted countries (mainly those outside the EU, North America or Australasia) this insurer will only payout for up to 26 weeks in any year and 52 weeks in total.

Financial strength

As a partnership between Prudential (founded over 150 years ago) and Discovery, PruProtect was founded with the joint financial knowledge of two leading insurers. In 2014 Discovery bought Prudentials remaining share of the business and rebranded the company Vitality. As Vitality is covered by the Financial Services Compensation Scheme, if this insurer cannot meet their financial obligations you may be entitled to 90% of the value of your loss.



Vitality Income Assurance – Questions and Answers

A series of commonly asked questions with regards to the policy coverage of the Vitality income protection product.

Q. I want accident and sickness cover but I also want to cover unemployment, does this policy also payout if I’m made redundant?

A. No, this policy is designed just to cover the risk of illness or injury and not unemployment.

Most policies that also include redundancy cover are of an income payment protection nature. We do not usually advocate these plans as they can only payout short-term (i.e. they are not going to provide sufficient cover longevity for serious illnesses or injuries) and usually only provide cover using the weaker ‘suited occupation’ definition of incapacity.

If you would also like redundancy protection then it is usually best to take out one long-term income protection policy and another (income payment protection) policy for unemployment protection. However, LV’s Mortgage & Lifestyle Protection plan is one of the only policies in the market to provide both types of protection in one plan.

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4.92 / 5 Average
1,263 Reviews
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SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

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The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
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Extremely helpful and rapid service at short notice.
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Very clear explanations of the options and then efficiently processed the transaction