VitalityLife Mortgage Plan | ActiveQuote
Date Reviewed: 17.05.2019
What is the minimum acceptable age at commencement when applying for VitalityLife Mortgage Plan?
The minimum age at entry is 16 attained.
What is the maximum age attained at the commencement of insured for VitalityLife Mortgage Plan?
The maximum age at entry is 64 attained.
What is the minimum policy term for VitalityLife Mortgage Plan?
The minimum term is 5 years.
What is the minimum sum assured for VitalityLife Mortgage Plan?
The minimum sum assured is £50000.
The minimum sums assured are:
- Life Cover: £50,000
- Serious Illness Cover for Mortgages: £10,000
What is the maximum sum assured for life cover only and where accelerated CIC is included for VitalityLife Mortgage Plan?
The maximum sum assured for life cover is £1000000.
Is there an additional critical illness cover for VitalityLife Mortgage Plan?
No
What is the minimum acceptable monthly premium for VitalityLife Mortgage Plan?
The minimum monthly premium is £8.00.
Minimum Premium
The following minimum premium will apply
- £8 for Vitality Lite (single and joint)
- £30 for Vitality Plus (single)
- £40 for Vitality Plus (joint)
What are the additional benefits with VitalityLife Mortgage Plan?
Fracture Cover – No
Donor Cover – No
Other benefits – No other benefits are available
Sum assured in instalments - The sum assured is paid as a lump sum.
Large case discount available – A large case discount is not available
What is the total number of critical illnesses conditions covered by VitalityLife Mortgage Plan?
Vitalitylife declare 145 conditions covered. From Severity A (100% payout) to Severity E (15% payout)
What are the exclusions applicable to critical illness cover with VitalityLife Mortgage Plan?
There are 2 exclusions for Serious Illness Protector. Each category of conditions has its own exclusion clauses. VitalityLife will not pay benefits if the claim arises, either directly or indirectly, either because the claim arises due to alcohol or drug abuse (specified conditions only - examples below), or because the claimant did not reasonably seek or follow medical advice.
Alcohol or drug abuse
- Cardiomyopathy related to alcohol abuse
- Coma secondary to alcohol or drug abuse
- Parkinson's disease
- Gastrointestinal category
We will not pay any benefits if your claim arises, either directly or indirectly, because you unreasonably do not seek or follow medical advice.
Failure to follow medical advice
We will not pay any benefits if your claim arises, either directly or indirectly, because you unreasonably do not seek or follow medical advice.
Would I be excluded from VitalityLife Mortgage Plan if
- I worked in armed force - Not excluded
- Had a pre-existing condition – This exclusion only applies to the children's serious illness cover.
Are there Virtual GP Services for VitalityLife Mortgage Plan?
No
Are there any claims support services for VitalityLife Mortgage Plan?
Claims support services are not available
What can you get in terms of Health & wellbeing services with VitalityLife Mortgage Plan?
Your Vitality Status
The healthy living programme helps you improve your health and saves you money at the same time. It encourages you to be healthy by offering all adults on the plan discounts with a range of health partners. By taking steps to look after your health, you can increase your Vitality Status. To begin with, this is Bronze. Then as you make an effort to be healthy, you can increase your Status to Silver, Gold or even Platinum. The higher your Status, the greater the discounts and rewards. Some Vitality rewards and benefits are only available to those who are over the age of 18.
The healthy living programme is provided to you by Vitality Corporate Services Limited. Please refer to the separate terms and conditions for more information on the healthy living programme
When you take steps to look after your health, you could improve your Vitality Status. There are four Vitality Statuses:
- Bronze - You start at this level on your plan's start date, or when you're added to the plan. You may return to this level on each plan anniversary, depending on the Vitality Status rules at the time.
- Silver - You will be able to achieve silver Vitality Status between plan anniversaries if You make a moderate but regular effort to look after your health.
- Gold - You will be able to achieve gold Vitality Status between plan anniversaries if you make a strong and regular effort to look after your health.
- Platinum - You will be able to achieve platinum Vitality Status between plan anniversaries if you make a very strong and regular effort to look after your health.
How Vitality rewards you for being healthy
The healthy living programme will give you access to discounts and rewards for the duration of your plan. Because your plan could last many years, the discounts and rewards offered to you may need to be revised from time to time.
As new opportunities and technologies emerge, the way you are rewarded for being healthy will change over time. The discounts and rewards depend on the relationships with third-party providers and the range of services these providers offer.
Please refer to the separate terms and conditions for more information on the healthy living programme. This includes changes to the way you are awarded Vitality points, the eligible activities, incentives and partners offered, and how your Vitality Status could change as a result.
To find out more about VitalityLife and our other Life insurance providers call us today on 0800 862 0373 or get a quote now
* Information about the VitalityLife Mortgage Plan product is provided by Defaqto and is correct as of the review date stated
