Vitality Life Insurance
VitalityLife Plan
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Founded |
2007 |
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Company Type |
Private Limited Company |
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Company Overview |
Launched in September 2007, PruProtect is 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. |
Life Insurance Overview
A innovative protection account which can hold a range of personal protection products. VitalityLife is centered around the original Vitality program which focuses on promoting healthier living in turn rewarding you with lower premiums.
For example you can opt for critical illness cover which will payout a claim if you were to suffer a serious illness such as a heart attack, cancer or stroke.
Include Serious Illness Cover to protect yourself against the risk of up to 166 illnesses including heart attack, cancer and stroke.
A wellbeing focused approach which provides discounts and rewards for health 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.
Vitality Policy Conditions
An overview of the key policy details of Vitality’s Life Insurance proposition.
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Overview of Key Policy Details
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Policy Type |
Term Life Insurance |
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Policy Options |
Level and Decreasing Term Life Insurance |
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Policy Coverage |
Single or joint cover options are available on a first death basis only |
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Underwriting |
Full Medical Underwriting |
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Premium Type |
Guaranteed and Reviewable |
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Terminal Illness Cover |
Yes |
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Optional Critical Illness Cover |
Yes |
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Critical Illnesses Covered |
Primary Serious Illness covers you for 102 conditions and Comprehensive Serious Illness covers you for 166 conditions, this includes partial payments. |
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Children’s Critical Illness Cover |
Optional |
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Indexation |
Cover will increase annually in line with the Retail Price Index(RPI) rounded to the next 0.25% |
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Waiver of Premium |
Optional |
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Maximum Cover |
£3,000,000 maximum for Serious Illness Cover |
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Minimum Cover |
Determined by minimum premium of £10 per month. |
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Min. Entry Age |
16 years old |
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Max. Entry Age |
75 years old |
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Guaranteed Insurability |
Optional |
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Policy Exclusions |
Suicide is not covered in the first 12 months of the policy term |
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Application Process |
We can arrange for a paper application, however we would recommend that you complete your application with one of our independent insurance experts over the telephone on 0208 432 7333. This is to ensure that you have not missed anything and will not risk any failed claims due to non-disclosure in the future |
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Claims Telephone Number |
You, or your legal representatives, can make a claim by telephoning 0345 601 0072 |
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