Personal Protection
Life Cover
In 2021, we paid out on 99.8% of Life Cover claims1.
Explore our life cover
Life cover can help your client's plan for their future and protect their loved ones.
Top reasons to recommend
1. Access to comprehensive cover: Plus your clients can get protected from application with our Immediate Cover benefit.
2. Up to 40% off their premiums with Optimiser: Your clients can enjoy the best available premium and keep their premiums low by taking steps to look after their health.
3. Tailored cover to suit their needs: Your clients can add a number of additional benefits and options including Child Serious Illness Cover, Indexation and more.
4. Get covered in hours, instead of weeks: To help cover your clients as quickly as possible, Vitality Nurses can carry out any screening requirements from your client's home.
2. Up to 40% off their premiums with Optimiser: Your clients can enjoy the best available premium and keep their premiums low by taking steps to look after their health.
3. Tailored cover to suit their needs: Your clients can add a number of additional benefits and options including Child Serious Illness Cover, Indexation and more.
4. Get covered in hours, instead of weeks: To help cover your clients as quickly as possible, Vitality Nurses can carry out any screening requirements from your client's home.
Explore our Claims and Benefits Report 2023
Find out how we supported clients in 2022 through market-leading protection cover and health and wellbeing benefits.
With the ongoing economic challenges highlighting the need for better financial resilience, it’s never been more important for advisers to be discussing protection insurance with their clients.
Life Cover toolkit
Quick access to everything you need to support your client conversations.
Personal Protection brochure
Why VitalityLife sales aid
Risk Calculator
Discounts and Rewards overview
VitalityLife Adviser Checklist sales aid
Tailor their cover
Explore our additional options and benefits to offer your clients the right cover.
Key information
| Minimum term | Five years |
| Maximum term | Reviewable premiums 70 years Guaranteed premiums 70 years |
| Minimum sum assured | £10,000 subject to minimum premium |
| Maximum sum assured | £20,000,000 |
| Minimum entry age next birthday | 17 |
| Maximum entry age next birthday | 75 |
| Maximum expiry age/date (not applicable to whole of life) | Age 90 exactly |
| Important disclosures |
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We're here to help
Your Business Consultant is always ready to support you.
1 VitalityLife Claims and Benefits Report, 2022.
2 More conditions covered than any other provider, Defaqto, 2023
2 More conditions covered than any other provider, Defaqto, 2023