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Personal Protection

Life Cover

In 2023, we paid out on 99.7% of Life Cover claims1.

Explore our life cover

Life cover can help your client's plan for their future and protect their loved ones.

Top reasons to recommend

1. Access to comprehensive cover: Plus your clients can get protected from application with our Immediate Cover benefit.
2. Up to 40% off their premiums with Optimiser: Your clients can enjoy the best available premium and keep their premiums low by taking steps to look after their health.
3. Tailored cover to suit their needs: Your clients can add a number of additional benefits and options including Child Serious Illness Cover, Indexation and more.
4. Get covered in hours, instead of weeks: To help cover your clients as quickly as possible, Vitality Nurses can carry out any screening requirements from your client's home.

Explore our 2024 Claims and Benefits Report

Our results demonstrate how our products cater to modern risks, provide immediate value and engage members, creating a new category of insurance.

As we continue to enhance and protect lives, discover how we supported our members throughout 2023.

Life Cover toolkit

Quick access to everything you need to support your client conversations.

Key information

 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 stops 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

We're here to help

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


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1 VitalityLife Claims and Benefits Report, 2024
More conditions covered than any other provider, Defaqto, 2023