We offer different plans to suit different client needs
- VitalityLife Essentials Plan: Gives your clients all the basics, at a lower minimum premium
- VitalityLife Plan: Extra features on top of the VitalityLife Essentials Plan for the most comprehensive cover
|A comparison of our Essentials Plan and VitalityLife Plan||VitalityLife Essentials Plan||VitalityLife Plan|
|Minimum monthly premium||£8||£10|
|Access to discounts and rewards to lead a healthy lifestyle||Yes||Yes|
|Opportunity to receive premium discounts each year based on your client's Vitality status, without adding Vitality Optimiser||No||Yes|
|Automatic Serious Illness Cover for children||No||Yes|
|Guaranteed Insurability options for Life Cover, Serious Illness Cover, Income Protection, Disability Cover and Optional Serious Illness Cover for children||No||Yes|
|Immediate Cover Benefit||No||Yes|
|Free cover whilst your clients wait for their mortgage to be accepted||No||Yes|
|Mortgage interest rate for decreasing plans||7%||10%|
|Option to add Vitality Optimiser||Yes||Yes|
Mortgage Plus Plan
All the benefits of Life Cover, plus extra cover for illness or injury. We offer your clients more with our Mortgage Plus Plan, giving them Life Cover with a monthly incapacity benefit included. Making it as easy as possible for your clients to protect their mortgage, all in one place.
If your clients chose Wellness Optimiser, they get an upfront discount on our standard protection premium in their first year. Plus your clients get the opportunity to keep their protection premiums low in future years if they take steps to understand and know their health. We encourage your clients to have a health check every two years to measure four key lifestyle related health factors.
If your clients choose Vitality Optimiser, they get an upfront discount on our standard protection premium in their first year. Plus your clients get the opportunity to keep their protection premiums low in future years. If your clients get healthier with Vitality, they can lower their premiums even further.