Personal Protection
Life Cover
In 2024, we paid out on 98.9% 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
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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.
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.
Value first protection for every dream home
With mortgage borrowing at its strongest level in months*, now is the ideal time to bring protection into every mortgage conversation.
With Vitality, your clients can easily add comprehensive protection, safeguarding their home, lifestyle and the people who matter most.
Life Cover toolkit
Quick access to everything you need to support your client conversations.
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VitalityLife Adviser Checklist sales aid
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Tailor their cover
Explore our additional options and benefits to offer your clients the right cover.
Key information
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| 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 |
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We're here to help
Your Business Consultant is always ready to support you.
* Mortgage market set for 'booming' 2026 as product choice rises and rates fall: Moneyfacts | Financial Reporter
1 VitalityLife Claims and Shared Value Report 2025
2 More conditions covered than any other provider, Defaqto, 2023
1 VitalityLife Claims and Shared Value Report 2025
2 More conditions covered than any other provider, Defaqto, 2023