Cover that goes further than just protecting the mortgage
Buying a home is one of life's most significant milestones and securing a mortgage is just the beginning. A home is more than bricks and mortar, it's where families grow and increasingly, work.
In today’s financial climate, mortgage repayments take up a large portion of household incomes and if illness, injury or unforeseen events occur, the impact can be immediate. Without protection in place, your clients and their families could be faced with a challenging financial decision.
With Vitality, your clients can easily add comprehensive protection, safeguarding their home, lifestyle and the people who matter most.
Key reasons to recommend Vitality
Market-leading protection
Our market-leading1 protection products are designed to go beyond just covering the mortgage.
Straight forward to recommend
Our simplified suite of products, alongside our enhanced underwriting process and flexible menu-plans makes it easier to recommend Vitality.
Unrivalled value from day one
Optimiser gives your clients access to our best available premium with the Platinum Rate, saving them up to 40% straight away. And they can keep their premiums low when they make healthy choices with the Vitality Programme.
Market-leading protection for mortgages
We provide comprehensive cover that evolves with your needs at every stage of life. Our range of flexible plans are designed to protect what matters most to your clients:
- With our comprehensive Life Cover your clients will automatically benefit from Mortgage Free Cover2. This means we will provide cover, whilst their application is being underwritten, from the moment they are legally committed to their mortgage up until the plan starts.
- As well as our Serious Illness Cover covering more conditions than any other provider3, our plans uniquely are able to stay in place once a claim has been paid in full4.
- Our Income Protection is tailored to your client's lifestyle and needs, offering market-leading payouts and back to work support5.
Unrivalled value from day one
Optimiser gives members' access to our best available premium with our Platinum Rate, in anticipation of a lifetime of positive health choices, providing immediate value by:
- Helping your clients get value from day one - Optimiser is the only way to unlock our full range of partners.
- Insuring your clients for longer - Members who take out Optimiser are up to 47% less likely to cancel their plan6.
- More likely to engage - Members who take out Optimiser are up to three times more likely to engage with the Vitality Programme6.
Quick and straight forward to recommend
Our simplified suite of products, alongside our enhanced underwriting process and flexible menu-plans makes it easier to recommend Vitality.
- Immediate decisions - 8 out of 10 applications are provided with an immediate decision.
- Straight forward recommendation - With more conditions covered in full than any other provider3, Serious Illness Cover 2X is the ideal solution for mortgages and enables a simple recommendation.
Resources toolkit
Quick access to everything you need to support your client conversations.
Guide to Mortgage Protection with Vitality
A sales aid explaining our Mortgage Protection and the products available.
Mortgage Protection USP one-pager
A one-page sales aid outlining what makes Mortgage Protection with Vitality different.
Mortgage Protection with Vitality explainer video
This video explains how our protection products go beyond protecting just the mortgage.
Mortgage Zone - in partnership with COVER
We have partnered with COVER to provide you with a dedicated resource hub on all things mortgage protection, helping you stay up to date with the latest on the topics and highlighting a more holistic way of thinking about protection.
Explore our cover
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Your Business Consultant is always ready to support you.
2 Applicants under 50 only. Up to £300,000 cover available. Terms and Conditions apply.
3 Defaqto Matrix, August 2025
4 Serious Illness Cover 2X and 3X only
5 Vitality analysis of back to work benefits, 2026
6 VitalityLife Claims and Shared Value Report, 2025.