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Healthy Living Options

Vitality Optimiser 

Upfront discount of up to 35%

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Vitality Optimiser

Your clients will receive an upfront discount of up to 35% on our award winning cover, as well as the ability to reduce their premiums further by engaging with their health. It also gives your clients access to a range of reward and discounts from our Healthy Living Programme, depending on their monthly premium. 

At a glance, what do your clients get?

  • An upfront discount of up to 35%
  • The ability to control their premiums every year 
  • Access to a range of rewards and discounts.

How much does Vitality Optimiser cost?

Depending on their monthly premium, your clients will enjoy the benefits of either Vitality Select or Vitality Plus.

Vitality Select

Vitality Plus

If their monthly premium is below £45 for single life plans or below £60 for joint life plans:
  • They'll receive access to a number of discounts and rewards
  • We'll include an additional fee of £1.75 per month, per adult
  • There is no charge for children.
If their monthly premium is above £45 for single life plans or above £60 for joint life plans:
  • They'll receive access to our extended range of discounts and rewards
  • We'll include an additional fee of £4.50 per month, per adult
  • We'll include an additional fee of £2.00 per month, per child.
Find out more about the difference between Vitality Select and Vitality Plus, along with which of our discount and rewards partners your clients will be able to access.

How it works

Whole of Life Cover

Your clients can get an upfront discount of between 15% and 35%, compared to our standard Whole of Life Cover Premium. 

Age next birthday when taking out the plan

45 or younger

 50

55

 60

 65

 70 and over

Upfront discount

35%

31%

27%

23%

19%

15%

Term Cover

Alternatively, they can get an upfront discount of between 5% and 25%, compared to our standard Term Cover Premium.

How long your clients are covered for (years)

 10

15 

 20

 25

 30

 35 or more

Upfront discount

5%

7.5%

15%

17.5%

20%

22.5%

25%

Keeping premiums low

When your clients do healthy things, we give them points which count towards their Vitality status. Depending on their Vitality status each year, we’ll either increase their protection premium, decrease it or leave it the same.

Here’s how their Vitality status affects their protection premiums with Vitality Optimiser:

Vitality Status

Bronze

Silver

Gold

Platinum

 +2%

 +1%

 0%

 -1%*

* The maximum premium reduction due to Vitality Optimiser’s annual premium adjustments is capped at 5%.  

Wellness Optimiser

Would your clients like to be rewarded for understanding and improving their health?

With Wellness Optimiser, we're rewarding your clients for looking after their health and helping them to better understand key lifestyle-related health factors: BMI, Blood Pressure, Cholesterol and Blood Glucose.

Not only that, it comes with our greatest upfront discount of up to 50%.

Just like Vitality Optimiser, your clients still have the ability to reduce their premiums and the opportunity, as well as access to a range of rewards and discounts from our Healthy Living Programme, depending on their monthly premium.
Find out more

Speedier and smoother underwriting

Optimiser Underwriting

Traditional underwriting can often be a lengthy process. We’ve introduced Optimiser Underwriting: intelligent underwriting with just 5 medical questions available on Life and Serious Illness Cover with Vitality or Wellness Optimiser. It aims to reduce the time it takes to apply, meaning you’re able to spend more time focussed on finding the right solution for your clients needs.
Find out more

Where to next?

  • Cashback

    Your clients have the opportunity to earn Cashback when they demonstrate good long term health.

  • Healthy Living Options

    Our Healthy Living Options are all slightly different so you can tailor the right one to your clients' lifestyle and needs.

  • Vitality Plus

    Should your clients not choose an Optimiser, they can still enjoy the full range of healthy living discounts and rewards of the Vitality Healthy Living Programme by adding Vitality Plus.

  • Wellness Optimiser

    We're rewarding your clients for knowing and understanding their health, with an upfront discount of up to 50%.

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Important information: 

* Your client’s eligibility for Optimiser Underwriting is dependent on product selection and their answers to a few questions at application stage.

We might change Vitality Optimiser in the future

We might change the way we award points, the way your client’s status works or the cost of Vitality Optimiser. We may also change our rewards; taking some away, adding new ones or improving the ones we have. So, your client shouldn’t buy this product just because they are interested in a particular rewards partner.

If we do need to change something, we’ll always let your client know and we’ll always give them at least six weeks’ notice.