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  1. Life Insurance
  2. Personal

VitalityLife

Personal Protection

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Now Simpler, Better and Easier.

This year, we're making our life insurance proposition Simpler, Better and Easier for you and your clients. Our new and enhanced product range is available now on Adviser Hub. Find out more

Introduction to Personal Protection.

We take a unique approach to insurance. As well as offering the highest levels of protection1, we also make it easier for your clients to take an active role in maintaining their wellbeing, helping them understand their health and reward them for healthy lifestyle choices.

Building your clients plan starts with our Personal Protection Plan which automatically includes Immediate Cover and Guaranteed Insurability Options.
Available with a minimum premium of £8 per month.

Positively different Personal Protection

  • SIC

    Serious Illness Cover

    Our two levels of Serious Illness Cover covers more conditions than any insurer in the market2: - Serious Illness Cover – 153 conditions - Serious Illness Cover Plus – 182 conditions. It also includes our unique Cancer Relapse Benefit as standard.

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    Life Cover

    Our 5-star Defaqto rated Life Cover provides your clients with the ability to choose from Term Life Insurance or Whole of Life Insurance.

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  • IP

    Income Protection

    With our 5-star Defaqto rated Income Protection Cover your clients can be certain, should they need to claim, they’ll get the amount they’re expecting. Our cover protects 60% of your client’s gross income for the first £5,000 per month.

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  • Mortgage

    Mortgage Serious Illness Cover

    Providing cover for 153 conditions, Mortgage Serious Illness Cover enables your client to pay off some – or all – of their mortgage if they suffer a serious illness.

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Personal Protection

Helping your clients get the most from their cover with our Optional Benefits.

Your clients can customise their plan to suit their needs with our range of Optional Benefits, including Family Income Cover, Child Serious Illness Cover, Later Life Options and more.
Find out more

Your clients can choose whether to optimise their plan.

Optimiser gives clients access to our most preferential rate, based on the assumption that they will make positive health choices. We call this the Platinum rate. If they do then engage with the Vitality Programme, they can also achieve Platinum Vitality status, which will allow them to maintain their premium.
Find out more

Where to next?

  • Income Protection

    Father and mother with child

    Our 5-star rated Income Protection Cover offers your clients a tax-free monthly income payment if they are unable to work because of illness, injury or disability.

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  • Life Cover

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    Discover some of the best features of our Defaqto 5-star rated Life Cover.

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  • Life Insurance Homepage

    Dad and child flying a kite

    Positively different life insurance covering Personal, Business and Mortgage protection.

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  • Serious Illness Cover

    SIC

    Our award-winning Serious Illness Cover.

    Learn More
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1Defaqto 5* rated, Defaqto 2020.
2Defaqto verified Competitor Comparisons, Sep 2020