At VitalityLife, we make sure you've got more to offer your clients. We've created different types of cover to protect the things that matter the most to your client - from their mortgages, to their family businesses. We make sure you can sell the right cover and grow your business.

Life Cover

Life Cover pays a lump sum cash payment if your client passes away or is diagnosed with a terminal illness.

Learn more

Serious Illness Cover

Our comprehensive Serious Illness Cover Plus pays out on over 182 different conditions. We base the size of the payout on the severity of the condition.

Mortgage Serious Illness Cover

Whether your client is buying their first house, a new home or looking to re-mortgage, now is the ideal time for them to consider their protection needs.

Later Life Options

Our Later Life Options could help your clients better prepare for age related conditions. Find out more about this unique feature available on Serious Illness Cover.

Income Protection Cover

Income Protection will replace a percentage of your client’s salary if they become unable to work due to illness, injury or disability.


Why VitalityLife?

Life insurance has never been more relevant, with more and more people looking for ways to protect their health, and their loved ones' futures.

At Vitality, we make sure your clients get more from their cover. Our cover doesn’t just protect them when things go wrong, it rewards them for being healthy too. So your clients could end up having more energy – and more money – to spend on the things that matter to them.

With our Optimiser your clients will receive our best available premium on our award-winning cover, and by taking steps to look after their health they can keep their premiums low. This helps make the cost of cover more affordable for everyone.

When your client adds Optimiser to either their Personal Protection Plan, Business Protection Plan or Relevant Life Plan they’ll receive our best available premium:

  • Up to 30% lower than our standard premium on fixed-term cover – dependent on your clients’ age and the length of their term.
  • Up to 40% lower than our standard premium on Whole of Life Cover – dependent on your clients’ age and the length of their term.

This discount only applies to their premium. Depending on your clients’ monthly premium, an additional fee of £4.75 per month may apply to unlock Vitality Plus – our extended range of discounts and rewards.

On top of our award-winning cover, we cover more conditions than any other insurer and last year, we paid out £66m in claims and 99.5% of all life claims*.

It’s the way insurance should be.

Making it easier for you to do business with us

We’ve developed a wide range of online tools, making it easier for you to do business with us. Discover what conditions are covered by Vitality Serious Illness Cover with our Conditions Covered Tool, demonstrate the importance of Income Protection in just 60 seconds with our Income Protection Reality Checker Tool, and see what savings your clients could make with our Discounts and Savings Calculator

Visit our adviser tools page for so much more. 

For a full suite of VitalityLife literature remember to visit our Literature and Tools website. You can also register on our online self-service literature ordering system where you can actively order the literature you need. 

Good health is good business

We provide Business Protection that helps your clients safeguard the future of their business against losing someone vital. We aim to provide cover that is relevant to your clients’ business needs and most of all pays out when they need it to. 

Find out more about our Business Protection solutions.

Contact us

General Enquiries
Telephone: 0808 234 3000 ‐ Lines are open 8.30am to 6pm Mon – Thurs, and 8.30am to 5pm Fri

Commission Enquiries
Telephone: 0345 601 0072 - Lines are open Mon to Fri, 8.30am to 5.00pm
Fax: 0870 240 0937

Telephone: 0345 601 0072 ‐ Lines are open 8.30am to 6pm Mon – Thurs, and 8.30am to 4.30pm Fri
Fax: 0800 028 5222

Underwriting Support
Telephone:  0800 012 1796 - Lines are open 8.30am to 6pm Mon to Thurs, and 8.30am to 5pm Fri
Email -

Prestige Service
Telephone: 0345 6027 457- Lines are open Mon to Thurs, 8.30am to 6.00pm and Fri, 8:30am to 5pm

For all other enquiries, please contact Janine Byrne, your dedicated National Account Manager, on 07557 486713 or email

*Findings from our Vitality Claims and Benefits Report 2019. Find out more here.