Compare quotes for Vitality life insurance today.
Why get life insurance from Vitality?
Vitality is an innovative life and health insurance provider that takes a unique approach to insurance. It offers cover to protect you when you need it the most, while encouraging you to take an active role in understanding your health and wellbeing, and rewarding you for making healthy life choices.
It works like this: you complete your Health Profile with Vitality to understand your health. Goals will be set and you’ll be given tips on how to achieve them. You can then start tracking your healthy habits and earn Vitality points when you get active. These points unlock Vitality’s range of rewards and discounts.
Vitality protects 1.7 million customers. Throughout 2023, they paid out 99.7% of life insurance claims**.
Vitality also has a range of awards to its name, including gold at the UK Customer Experience Awards.
You can also get private health insurance from Vitality.
**Vitality Life Claims and Benefits Report, June 2024.
How to contact Vitality
For advice on Vitality life insurance policies, call 0808 303 9848. Lines are open Monday to Thursday 9am-8pm, Friday 9am-6pm and Saturday 10am-2pm (except bank holidays).
You can also request a callback or message one of Vitality’s agents via WhatsApp.
If you have a hearing impairment and use British Sign Language, you can connect with a video interpreter from InterpretersLive!
What types of life insurance can I get with Vitality?
Vitality offers:
| Term life insurance | Covers you for between five and 70 years. Your family will receive a lump sum if you die within the policy term. |
| Whole of life insurance | Your family receives a pay-out no matter when you die. Monthly premiums are higher because payment is guaranteed. |
| Over-50s life insurance | Could provide a cash lump sum to leave to loved ones or help pay for the cost of a funeral. |
Term and whole of life insurance can cover one person only, two people jointly or a family.
What optional extras are available?
You can choose to get additional cover at an extra cost, to protect against illness and injury. Options include:
- Serious Illness Cover – pays out a lump sum if you’re diagnosed with a serious illness.
- Income Protection Cover – pays a regular income if you can’t work due to illness or injury.
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[1] Correct as of September 2024.
What Defaqto star ratings do Vitality insurance policies get?
Most of Vitality’s life insurance policies are rated 5 stars by Defaqto. Vitality’s most basic standalone critical illness cover is rated 3 stars.
The Defaqto rating system scores financial products based on their range of features and benefits, with 5 stars the highest.
How well is Vitality reviewed on Trustpilot?
In September 2023, Vitality was rated 4.0 on Trustpilot.
Frequently asked questions
Can I cancel a policy with Vitality?
You can cancel your Vitality life cover by contacting the provider directly on 0800 030 4903 or emailing [email protected].
If you cancel within 30 days of taking out the policy, your premium will be refunded, assuming you haven’t made a claim. If you cancel after the 30-day cooling-off period, you won’t be refunded any of the premiums you’ve paid so far.
Who underwrites policies from Vitality?
Vitality life insurance plans are underwritten by Vitality Life Limited. Vitality health insurance is underwritten by Vitality Health Limited.
What additional benefits are available from this provider?
When you take out Vitality life insurance, you’ll have access to discounts and rewards through the Vitality Programme. You start at Bronze level, but can move up to Silver, Gold and Platinum the more effort you make to be healthy.
You also have access to a range of online tools and guides if you need support.