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Life Cover

Here are some of the best features of our Defaqto 5-star rated Life Cover

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What is Life Cover?

  • A cash lump sum paid to their family or someone else they’ve nominated, if they die while covered
  • Or an advance payment if they are diagnosed with a terminal illness while covered

Your client can choose from

Whole of Life Insurance Term Life Insurance Mortgage Life Insurance
Whole of Life Insurance provides protection for as long as your client needs it.
Our Term Life Insurance provides protection between five and 70 years.
Mortgage Plus Plan includes Mortgage Life Cover and Mortgage Incapacity Cover.

Life Insurance

Our Whole of Life plans just got cheaper

Our Whole of Life plans just got cheaper when your client takes out a Whole of Life plan with Vitality Optimiser or Wellness Optimiser.

Find out how our Whole of Life plans compare with our updated Premium Comparison tool.

Minimum monthly premiums and T+Cs apply.
Try the Premium Comparison tool

Your client can enhance their protection with additional covers and options

Find out more about our additional covers and options.

  • LifestyleCare Cover

    A new category of protection. Whole of Life Cover that gives your clients the ability to use some or all of that life cover early if they can’t look after themselves.

  • Family Income Cover

    Cover family living costs with a regular monthly income if something happens to your client.

  • Education Cover

    If your client dies we'll provide a range of benefits for each child on their plan, to help cover the costs of their education.

  • Serious Illness Cover

    Combine their Life Cover with our award-winning Serious Illness Cover for even more protection.

Your client can also choose to optimise their plan

If your client adds Wellness Optimiser or Vitality Optimiser to their plan, they get even bigger discounts, rewards and cashback, as well as an upfront discount on our award-winning cover. Wellness Optimiser or Vitality Optimiser gives them:

  • An upfront discount on their plan premiums of up to 60% with Wellness Optimiser or up to 40% with Vitality Optimiser
  • The opportunity to keep their protection premiums low in future years
  • The opportunity to earn cashback every year by looking after their health

Explore Wellness Optimiser

Explore Vitality Optimiser

Here’s a quick overview of the main facts you need to know about Life Cover with VitalityLife

Minimum term Five years
Maximum term
Reviewable premiums 70 years
Guaranteed premiums 70 years
Minimum sum assured £10,000 subject to minimum premium
Maximum sum assured £20,000,000
Minimum entry age next birthday 17
Maximum entry age next birthday 75
Maximum expiry age/date (not applicable to whole of life)
Age 90 exactly
Important disclosures
  • If your client stop paying premiums, their cover stops too
  • Your client’s plan does not have any cash value at any time
  • We may cancel your client’s plan if they act fraudulently in any way
  • If there is a change in law it may affect how we calculate your client’s premiums
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