Discover Vitality Life insurance
We collaborate with hundreds of UK life insurance providers, some well-known, others smaller and independent. We specialise in matching you to the right insurer. You deserve an insurance provider that promises to put your best interests at heart.
Choosing a life insurance policy should be easy
When picking a life insurance company, you need to find one that knows who you are and what kind of protection you need for your family.
At The Insurance Surgery, we see ourselves as matchmakers.
We can match you to your best insurance company because we take the time to get to know you and find out what your needs are.
We like to be open and transparent when it comes to our life insurance recommendations. That’s why we’re taking a look at the insurance companies we work with so you can see who we recommend and why.
Read on to find out what we think about Vitality Life Insurance.
We’ll examine who they are and what they cover and discover why Vitality Life Insurance customers keep raving about their policies.
Who are Vitality Life Insurance?
Vitality is one of the most well-known names in life insurance in the UK. Many Brits trust them to improve their health and wellbeing because of their unique pink branding and commitment to improving the health of the whole country.
Vitality offers insurance services in 30 countries, protecting the lives of more than 20 million people around the world. It is owned by Discovery Limited, an international financial services company.
In the UK, Vitality has offices in Bournemouth, London, and Stockport.
The company wants to help its customers live better lives. It does this by offering services like health insurance, car insurance, and life insurance.
Vitality is well known for what it does to help keep the country fit and healthy.
The company works closely with many high-profile Vitality brand ambassadors, including
- Dame Jessica Ennis-Hill
- Heather Knight
- Tracey Neville
- Jonny Wilkinson
- Ellie Simmonds
- Jos Buttler
- Maro Itoje
- Joe Root
- Lord Sebastian Coe
Vitality has an excellent reputation for leading the country’s health. The company started its new Vitality Rewards programme, which gives customers points for every step they take to improve their health and wellbeing. By connecting your fitness tracker to their Vitality Rewards scheme, you can earn points that you can use to get discounts and rewards from their partners.
We love anything that helps you save money and get healthier at the same time.
Vitality makes sport more accessible
Vitality’s sponsorships have much to do with national and local sports, making sports easier for everyone to get into.
The company has been linked to teams in many sports for a long time, such as football, cricket, netball, running, and hockey. They are also actively involved in improving women’s sports and getting women back into sports.
Vitality has a global plan to get 100 million people to be 20% more active by 2025. This plan includes key partnerships with charities like Women in Sport and sponsorships of important running events like Parkrun, This Mum Runs, and the Vitality London 10000.
How good is Vitality life insurance?
Vitality has benefited from 16 years of 5 Star ratings from Defaqto across critical illness cover, pension services, income protection, car insurance, individual PMI and group PMI.
Vitality has won numerous awards, including:
UK Customer Experience Awards
- Best Customer Experience Strategy 2022 – Bronze
- Best Use of Technology 2022 – Gold
- Customer Experience (CX) Team of the Year – 2021
Scottish Mortgage Awards
- Protection Provider of the Year 2022
- Protection Provider of The Year – 2021
FT Adviser Service Awards
- Winner – Protection & Pension Providers – 2021
- Most Improved – Protection & Pension Providers – 2021
Insurance Times Tech and Innovation Awards
- Investor/Corporate Innovator of The Year – 2021
Mortgage Strategy Awards
- Best Mortgage Protection Provider – 2021
Moneyfacts Awards
- Best Private Medical Insurance Provider – 2013-2021
- Best Critical Illness Cover Provider – 2020-2021
With such an impressive track record, it’s easy to see why so many customers are satisfied with their Vitality Life Insurance policy.
Why buy Vitality Life Insurance through The Insurance Surgery?
At The Insurance Surgery, we can find you the lowest possible life insurance prices because of our strong relationships with the Vitality team.
As an insurance broker, we see ourselves as a matchmaker between you and your life insurance provider.
Our role is essential because it’s built on trust.
You trust us to find you the right insurance policy.
Insurers trust us that we are giving them all the right information to underwrite a policy.
We trust the insurance provider that they will take care of you and put your interests first.
For years, we have worked with Vitality and we have helped thousands of people like you to enjoy financial protection.
This is what Vitality have to say about our working partnership:
Tom Gledhill
Business Consultant
Vitality Status Silver
Vitality Life Insurance options
Vitality specialises in life insurance solutions.
You can choose from a wide range of life insurance policies. This allows you to find the right life insurance plan to protect your family the most.
Whole Of Life Insurance
A whole life insurance policy makes sure that your family will be able to pay their bills if you die. It will be a guaranteed payout when you pass away.
Your payments will stay the same for the rest of your life. You can pay once a year or once a month.
Term Life Insurance
This is for a specific time period, often anywhere between five and forty years (depending on your age). You can choose between decreasing, level and increasing term life insurance policies. Your loved ones will receive a payout if you pass away during the plan term and have not filed a claim because of illness.
Joint Life Insurance
With a joint life insurance policy, both you and your spouse are covered. The other person will get a lump sum if you or your partner dies.
Vitality’s life insurance add-ons
There are a number of add-ons you can get along with your Vitality life insurance policy. Your insurance premiums may go up because of these extra plans, but they will give you the peace of mind that your family will be taken care of in almost any situation.
Serious illness cover
Serious Illness cover will give you a tax-free payout if you’re affected by a serious illness, like cancer. Many other insurers refer to this as Critical Illness cover.
Vitality serious illness cover is recommended because
- It promises to cover the widest number of illnesses in the market
- It will pay out for serious illnesses before they become critical
- You can claim as many times as you like, up to your 100% maximum cover
Income Protection Insurance
Income protection insurance can provide you with a portion of your monthly income if you become ill or injured and are unable to work. It can provide you with financial support while you recover. If you are signed off work indefinitely, an income protection plan can cover you until you reach retirement age or the end of your policy (whichever comes first).
Vitality income protection insurance offers additional support because
- You can receive an extra 20% on your payout if you have a proven track record of looking after your health
- It promises flexible cover that works around your lifestyle
- When you claim, you can use various support services to aid in your recovery, such as cancer support, therapy, and physiotherapy
Mortgage protection insurance
If you develop a terminal illness or pass away during the policy’s term, your Vitality mortgage protection insurance could pay off your remaining mortgage balance. As a result, your family could stay in their home and would no longer need to worry about anything.
Why choose Vitality Life Insurance?
Vitality Life Insurance has many different insurance plans to meet your needs.
They have a good track record of paying claims, and it’s great that they want to help you improve your health and wellbeing through Vitality Rewards. The company gives you rewards and discounts based on how hard you work, so we love the fact that you can sign up and benefit from financial savings.
How much does Vitality life insurance cost?
Your life insurance policy cost will depend on a number of different factors, such as your age, your health and the amount of cover you need.
At The Insurance Surgery, we focus only on you.
We don’t use computer programmes to create a life insurance quote.
Instead, we talk to you about what you want and need.
This allows us to offer cheap life insurance quotes that promise maximum protection with minimal premiums.
Compare Vitality Life insurance prices – non-smoker*
| Age | Average Monthly Premium |
| 28 | £8.35 |
| 38 | £15.38 |
| 48 | £38.68 |
| 58 | £119.48 |
*These premium prices are based upon a person with no previous medical conditions, based on 30 year level term policy providing cover of at least £300,000
Compare Vitality Life insurance prices – smoker*
| Age | Average Monthly Premium |
| 28 | £13.88 |
| 38 | £34.17 |
| 48 | £97.20 |
| 58 | £280.31 |
*These premium prices are based upon a person with no previous medical conditions requesting a based on 30 year level term policy providing cover of at least £300,000
**All premium prices correct as of 22/06/2023
How to buy a Vitality Life Insurance policy
You should have a good life insurance policy that will protect you and your family.
Vitality is a great insurance company, and many happy customers have given us great feedback.
But what works for someone else might not work for you. Some customers may think that their premiums are more reasonable or cheaper than others.
As an independent life insurance broker, we can compare Vitality life insurance prices with other like-for-like options on the market. We don’t just look at how much life insurance costs. We also look at how claims have been paid in the past and what kind of extra help or incentives are available.
By comparing life insurance plans that are the same, we promise to find you the best company.
And because we promise to match any lower price you find; you won’t find a better deal anywhere else.
Talk to one of our experts in life insurance to find out how much Vitality Life Insurance could cost you.
Our customers love us.
Would recommend using this service
Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
First Class Experience
Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
Great, Quick Service
Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
Shelley Jenkins
Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.