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Vitality Life Insurance

VitalityLife Plan

Founded

2007

Company Type

Private Limited Company

VitalityLife Life Insurance

Company Overview

Vitality is owned by South African insurer Discovery Holdings. In 2007, Discovery entered the UK market with a joint venture with PruHealth and PruProtect, part of the Prudential Group.

Vitality offers a number of rewards and incentives to protection clients who choose the Vitality Optimiser programme.

Available rewards include lifestyle ‘gifts’ such as cinema tickets and smart fitness trackers to premium discounts if you engage with the programme and lead a healthy lifestyle.

Documentation

Vitality Life Insurance – Key Facts Vitality Life Insurance - Policy Terms

Get 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Life Insurance policy.

Simply fill in the form on this page to apply your two months free discount and get your instant quotes or call us on 02084327333 and state the code VC2MF.

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Overview of Vitality's Life Insurance policy

 Life Insurance Overview

Vitality entered the UK market in 2007 from the merger of South African insurer Discovery Holdings and the life arm of Prudential, a British multinational life insurance and financial services company headquartered in London.
 

Include Serious Illness Cover to protect yourself against the risk of up to 174 illnesses including heart attack, cancer and stroke.

 

A wellbeing-focused approach which provides discounts and rewards for healthy living.

 

Lower premiums and more rewards when you include Vitality Optimiser

 

Protected Life Cover which maintains the level of life insurance even if you claim on your serious illness cover.

 

Choose Family Income Benefit as an option, which breaks up your Life Insurance payout into regular chunks to provide long-term support to your family.

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AIG Life Insurance conditions

Vitality Policy Conditions

Overview of Key Policy Details

Product

Life Insurance

Options

Level Term / Decreasing Term / Family Income Benefit / Whole of Life Cover

Policy Coverage

Single life / joint life first death / joint life second death

Underwriting

Full Medical Underwriting

Premium Type

Guaranteed premiums / Reviewable Premiums / Index-linked premiums

Terminal Illness Cover

Yes

Optional Serious Illness Cover

 Primary
114 illnesses covered

Comprehensive
174 illnesses covered

Children’s Critical Illness Cover

Core Children’s Serious Illness Cover
If your child suffers from a serious illness Vitality covers, you’ll receive up to 50% of your chosen Serious Illness Cover amount, up to a maximum of £25,000.

Enhanced Serious Illness Cover for Children
You can insure each child for up to £100,000 if they suffer from any one of the serious illnesses covered by Vitality for an extra premium

Indexation

Optional

Waiver of Premium

Optional

Minimum Entry Age

16

Maximum Entry Age

75

Guaranteed Insurability Option

Yes, available on the Vitality Life Plan only before your 55th birthday if you:

  • Get married
  • Get a new mortgage/increase your mortgage
  • Get a salary increase.

Plus on every third policy anniversary.

Policy Exclusions

Suicide within the first 12 months of the policy

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

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Drewberry’s Vitality Life Insurance Review

If you add Vitality’s Serious Illness Cover to its Life Insurance policy, you’ll receive cover for far more illnesses than are covered by rivals’ Critical Illness plans.
 

Key Comparison Points

  • If you opt to index-link your premiums, Vitality will annually increase your benefit by the Retail Price Index whilst premiums also increase. However, Vitality apply an additional increment on top of the RPI increase, which is as follows:
    • If RPI increase is 0-2%, premiums are increased by RPI + 1.5%
    • If RPI increase is 2-8%, premiums are increased by RPI + 2.5%
    • If RPI increase is >8%, premiums are increased by RPI + 3.5%.
  • Vitality’s Optimiser programme can reduce your premiums as a reward for leading a healthy lifestyle, such as taking a set number of steps each day.
  • Vitality’s Serious Illness Cover proposition covers far more illnesses/conditions than are typically covered by rivals’ Critical Illness Cover offerings.
  • If you receive a payout on the Serious Illness element of a Life and Serious Illness policy, your total life benefit is reduced by the amount you’ve received as a Serious Illness benefit. If you opt to include Protected Life Cover, Vitality will top up your benefit back up to the maximum agreed when you first took out the plan.
 

Financial Strength

Backed by the South African insurer Discovery, Vitality enjoys a strong financial background. In the year to 30 June 2017, it recorded total revenue of just shy of £244 million.

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Victoria swiftly helped in finding a solution which offered the required cover, with a more competitive premium.

Doug Harvey
05/09/2018
 

Vitality Life Insurance: FAQs

Sam Barr-Worsfold Independent Protection Expert at Drewberry

We try to find out everything there is to know about the policies we advise on to ensure that we are in the best position to match you with the most appropriate policy.

Below, we have answered a few frequently asked questions given to us by our customers about your Vitality Life Insurance policy. If you need any further help, please do not hesitate to call us on 02084327333.

Sam Barr-Worsfold
Independent Protection Expert at Drewberry

Q. What’s the maximum age you can get covered with Vitality Term Insurance?

A. You can apply for VitalityLife Term Insurance between the ages of 16 and 75, with the maximum end age of the policy you can choose being your 90th birthday.


Q. How do the different Vitality Statuses I can earn affect my premiums?

A. When you choose to add Vitality Optimiser to your policy, Vitality recalculates your premium at every policy anniversary based on your Vitality Status. The four statues are Bronze, Silver, Gold and Platinum. You increase your status in a number of ways, from logging workouts to the steps you take each day.

Vitality Status

Premium Change

Bronze

+2%

Silver

+1%

Gold

+0%

Platinum

-1%

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Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Frequently Asked Life Insurance Questions

 
We are just about to send our only child off to a private secondary school and no doubt University from...
 
I’m getting quotes for life insurance and don’t know if skiing is included in the cover and...
 
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I’ve just left my job to go freelance and need to replace the old Life Insurance policy I had...
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