Personal Protection
Later Life Options.
At Vitality, we offer your clients two options to help them in later life.
More and more of us will develop a care need in later life.
For example, it's predicted that one in three people born today will develop some form of dementia in their lifetime1.
We're also living for longer. In 50 years' time, there'll be 8.6 million more people aged 65 and over in the UK2. However, not all those years may be spent in good health.
So it's a good idea to help your clients plan ahead because you never know what tomorrow may bring.
Our two Later Life Options.
- Dementia and FrailCare Cover - available for no extra upfront cost or health questions. Cover is calculated at the start of your client’s plan as 50% of their remaining Serious Illness Cover. The maximum amount available is £100,000.
- Dementia and FrailCare Cover Plus - available at an extra cost. Cover is calculated at the start of your client’s plan as 100% of their remaining Serious Illness Cover. The maximum amount available is £200,000.
During the final year of your client’s Serious Illness Cover term, we'll contact them to let them know that their later life cover is about to begin.
Key reasons to recommend Later Life Options
We take a unique approach to insurance, by being the only provider to integrate wellness and insurance with our Vitality Programme.
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Unique Protection
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Cover that can help to support your client’s independence in later life with cover for dementia, Alzheimer's, Parkinson’s, stroke and frailty.
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Cover Choice
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We offer two levels of cover, catering for your clients different needs. Dementia and FrailCare Cover or Dementia and FrailCare Cover Plus.
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Cover after Retirement
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Most Critical Illness Cover providers only offer cover up until retirement age, an age when eligibility for further cover can be limited and expensive.
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Funeral Cover
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Up to £10,000 of Funeral Cover will be included when Term Life Cover is selected.
Later Life Options Toolkit.
In this toolkit, you can easily access everything you’ll need to talk to your clients about Later Life Options. We’ve highlighted the most popular resources in yellow for you to explore. You'll find other toolkits throughout our website.
Care made easy with SuperCarers
Extra benefits for Later Life Options members
The plan holder gets a 20% discount on the first £3,000 of ongoing care3 when booked through SuperCarers, as well as priority access to SuperCarers services.
Award-winning Serious Illness Cover
Not only that, our Serious Illness Cover now covers all conditions in the market*, and pays out on NHS Waiting List inclusion for 23 conditions requiring surgery.
*Independently verified by Defaqto, Nov 2019
Vitality Programme
As well as award-winning cover, we give your clients something back when they get healthier, meaning they can benefit without having to claim. Help your clients:
- Understand their health
- Improve their health
- Get rewarded for engaging in healthy habits.
Share our Later Life Options video with your clients
2 Office of National Statistics, August 2018
3 Care must last for a minimum of 8 weeks
4 Independently verified by Defaqto. This comparison to other products in the market is based on VitalityLife and Defaqto’s interpretation of the difference between VitalityLife’s latest Serious Illness Cover and those other covers available in the market as at 11/11/2019. Whilst VitalityLife and Defaqto have made reasonable endeavours to ensure the accuracy and reliability of this statement, it is for personal use and guidance only, and does not constitute a contractual representation. As such, neither party accepts liability for direct or consequential loss in relation to this statement.