VitalityLife Life Insurance | ActiveQuote
VitalityLife insurance provides cover that rewards you for being healthy. With a unique approach to protection, VitalityLife encourages policyholders to develop healthy long-term habits that are good both for them and society. Learn more about VitalityLife insurance benefits below.
Types of VitalityLife Life Insurance
VitalityLife offers two different types of life insurance:
- Term life insurance
- Whole of life insurance
Both of these products provide a cash lump sum should you die, and there is no need for a medical. These are available in level, indexed and decreasing form depending on the structure of your plan and the value it is worth over time. VitalityLife cover is available for those aged between 17 and 75 at the start of the plan, whereas cover expired at age 90. Minimum cover starts at £10,000 with a maximum of £20m. Policies are available for UK residents only.
VitalityLife Term Life Insurance
Term life insurance covers you for a fixed amount of time. For example, the length of a mortgage or until retirement. The minimum term for this is five years and the maximum is 70. Get an upfront premium discount of up to 40%, plus the ability to earn cashback, if you take out a VitalityLife Wellness Optimiser.
VitalityLife Whole of Life Insurance
Whole of life insurance does what it says on the tin with lifelong cover which is guaranteed to payout upon death. There is no maximum term - we can simply cover you up until your 90th birthday. Get an upfront premium discount of up to 60%, plus the ability to earn cashback, if you take out a VitalityLife Wellness Optimiser.
Other Types of Benefit
If you would like further cover, VitalityLife offers several additional options including family income cover which would provide a set monthly income if you fall seriously ill or die, education cover to ensure your children’s schooling isn’t affected, serious illness cover for children, and lifestyle care cover should you need care due to a degenerative illness.
VitalityLife Insurance Review and Results
In 2017, VitalityLife’s policy led to the following results:
- 99% of all life cover claims paid out
- £36.1m paid out across life cover, serious illness cover, and income protection products
- 5-star Defaqto rating
- More conditions covered than any other insurer