Personal Protection
Life Cover
What is Life Cover?
Life Cover is designed to pay out when your client passes away or provide an earlier payment if your client was to suffer a terminal illness – helping them plan for their future.
Your client can choose from
| Whole of Life Insurance | Term Life Insurance |
|---|---|
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Providing cover for as long as your client needs it. Find out more.
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Providing protection between five and 70 years of age. Find out more. |
Key reasons to recommend Life Cover
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Access to comprehensive cover
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As well as the most comprehensive levels of cover and benefits, we protect your client from the moment they apply with our Immediate Cover benefit; and once your client plan starts, our Guaranteed Insurability Options allow your client to boost their cover when certain life events happen – like buying a house or having a child.
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Access to the Platinum rate upfront
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When your client chooses to Optimiser their plan they are given access to our most preferential rate on the assumption that they will make positive health choices. We call this the Platinum rate. When your client engages with the Vitality Programme, they can also achieve Platinum Vitality status, which will allow them to maintain their lower premium.
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A tailored plan that suits your client’s needs
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Your clients can choose to add a number of additional benefits and options including Child Serious Illness Cover, Family Income Cover and more.
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It's easy to apply
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To ensure your clients are protected as quickly as possible, Vitality Nurses can carry out all the necessary screening requirements from the comfort of your clients home. This means they can get covered in hours, instead of weeks.
Life Cover Toolkit.
In this toolkit, you can easily access everything you’ll need to talk to your clients about Life Cover. We’ve highlighted the most popular resources in yellow, and you can find a list of the others below. You'll find other toolkits throughout our website.
Optimiser overview
Discounts and Rewards overview
VitalityLife Adviser Checklist sales aid
VitalityLife Claims Charter
The Vitality Programme.
Your client can enhance their protection with additional covers and options
Find out more about our additional covers and options.
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LifestyleCare Cover
A new category of protection. Whole of Life Cover that gives your clients the ability to use some or all of that life cover early if they can’t look after themselves.
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Family Income Cover
Cover family living costs with a regular monthly income if something happens to your client.
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Child Serious Illness Cover
Additional peace of mind for parents if their child develops a serious illness.
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Serious Illness Cover
Combine their Life Cover with our award-winning Serious Illness Cover for even more protection.
The main facts you need to know about Life Cover with VitalityLife
| Minimum term | Five years |
|---|---|
| Maximum term |
Reviewable premiums 70 years
Guaranteed premiums 70 years
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| 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 |
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Maximum expiry age/date (not applicable to whole of life)
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Age 90 exactly |
| Important disclosures |
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Where to next?
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Income Protection
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Our 5-star rated Income Protection Cover offers your clients a tax-free monthly income payment if they are unable to work because of illness, injury or disability.
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Mortgage Serious Illness Cover
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Designed to suit the needs of mortgage holders while encouraging and rewarding your clients for making healthy lifestyle choices.
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Personal Protection
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With our Personal Protection, we offer your clients the best cover to suit their needs, such as our award-winning Serious Illness Cover.
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Serious Illness Cover
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Our award-winning Serious Illness Cover.
