Is Vitality The Best Life Insurance Policy?

antoine fruchard Antoine Fruchard  updated on July 29, 2020

This is the ultimate review to guide you through the ins and outs of Vitality life insurance. You might already know that Vitality has several different contract options. 

Some are great. Some are less useful. Some are simply too expensive.

So, if you want to get better value for money from your insurance contract, as well as indicative quotes and tips to lower your insurance premium, then you’ll probably love the following article.

Let’s dive right in!

Is Vitality the best life insurance for you?

When taking out life insurance, there are so many things to think about. Life insurance is one of the most important insurance plans to have, as it is the best way to protect your loved ones if something happens to you. 

Vitality life insurance has a lot to offer. Here are the main points that you should look at before taking out life insurance with Vitality. 

4 Safe overall rating for Vitality

Rating CriteriaSafe RatingOur Review
Customer service satisfaction, claims and support

99.8% of death claims have been paid in 2018
Well rated by independent institutions

Coverage options

Life insurance: level, decreasing and whole life insurance.
Serious illness covers 182 conditions – more than other insurers.

Value for money

From £10 per month for life insurance – more than other life insurance providers.

Financial strength

Large insurance company in the life and health insurance sector.
BBB+ by SP

Apps and technologies

No chatbot available.
Possible to have a quote online and to use their online tool to estimate how much life insurance you need

Safe rating for Vitality Life insurance

Expert and customer satisfaction reviews for Vitality

Review organisationConsumer satisfaction rates for Vitality Life insurance
Trustpilot4,5/5 based on 20,262 reviews
Defaqto5
Experts rating for Vitality

Vitality insurance in a nutshell

In summary, here are the main features you need to know when taking out life insurance with Vitality. 

CriteriaVitality details
Minimum age16 years
Maximum age 74 years
Pay-out
Up to £20,000,000
Life insurance with free gifts£100
Extras
  • Wellness optimiser: discounts for having good lifestyle habits
  • Accidental benefits included in life insurance
Terminal illnessYes
Vitality life insurance in a nutshell

What are Vitality life insurance policy types?

When choosing life insurance, you have to make a lot of important decisions. You have to choose between different policy types to find which one would best cover your needs. As the first big choice, you have to choose between: 

  • Term life insurance. Term insurance splits into two types: level term or decreasing insurance. If you choose a term insurance, once again you would have to choose between these two. Sometimes, there is an increasing term insurance option. 
  • Whole of life insurance. This insurance will pay out when the policyholders die. Not all insurers offer this type of coverage. 

What is Vitality term life insurance? 

There are two term life insurance options:

  • Level cover guarantees that your loved ones get a payment if you die during a specific period of time. You will receive the same amount during a fixed period. Life insurance can be for 5,10, 20 years, etc., depending on your needs. 
  • Decreasing cover guarantees that your loved ones get a payment if you die during a specific period of time. The amount decreases over the policy term. It is really useful if you have a loan, as the price tends to decline over time. You can choose an increasing cover as well.
CriteriaVitality life insurance
Minimum term5 years
Maximum term70 years
Pay-out
Up to £20,000,000
Minimum monthly premium£10
Extras or any interesting facts 

40% off monthly gym (under conditions)

Vitality term life insurance

Should you take level or decreasing term life insurance?

Vitality offers two types of term life insurance: one is level life insurance, the other one is decreasing life insurance. 

CriteriaProvider Details
Vitality term life insurance (level)
  • Choose your term from 5 to 70 years
  • Wellness optimiser: provide you a premium discount of 40% if you take this option
  • Free cover while application is processed
Vitality decreasing term life insurance, also known as life insurance for mortgage
  • Vitality offers a type of insurance that is tailored to your mortgage
  • Minimum £9.75 a month
Level or decreasing life insurance

Some providers also propose increasing life insurance, which is a similar concept as decreasing life insurance, but with the premiums getting higher rather than lower.

Vitality life insurance doesn’t propose this type of insurance.

Should you take vitality whole life insurance?

This policy covers you for your whole life. You pay a premium each month, and your loved ones will receive a fixed lump sum when you die. With this policy, you are building a cash value that can be borrowed if needed.

Whole life insuranceVitality whole life insurance details 
Vitality whole life insurance 
  • Lifelong protection
  • Choice in premium calculation
  • Guaranteed pay-out to your family
  • Whole life insurance rated 5 stars by Defaqto
Vitality whole life insurance

Can you take out a Vitality plan life insurance with someone else?

Yes, you can either have a single or a joint policy at Vitality.

Taking out a joint policy covers two people that are together under the same policy. In the end, it is cheaper than two single policies. It covers both of your contributions to the family. It only pays out once, and the sum will be given to the other partner if one dies. It leaves the surviving member of the couple without life insurance after the death of the first partner. 

Taking out a single policy pays for one person only. It pays out the amount chosen. Taking out two policies is more expensive, but you can choose the level you want, and it’s beneficial if the two partners don’t need to be insured at the same level. 

 What are Vitality life insurance extras? 

You can add these extras at additional cost to your Vitality life insurance: 

Details Reviews
Waiver of premium

Your premium is paid automatically if you fall ill, for example

Life insurance for children cover

Between £20,000 and £100,000 for your children

Indexation
  • Add indexation for free at beginning of cover
  • This makes sure that inflation won’t cut the buying power of your cover
Protected cover
  • Protected life cover means that your Vitality life cover will not reduce if you claim under the serious illness cover
Wellness optimiser:
  • Keeping good habits provides you with a discount
Vitality life insurance extras

Should you take out Vitality life insurance critical illness cover?

What is critical illness cover? 

It is an extra that can be added to your policy, or can be combined with your standard life insurance. It pays out if you contract a disease. The illness developed must be specified in your policy contract. The most common illnesses covered are cancer and heart attacks, etc. If you become really ill, your insurance will pay out exactly as if you’ve passed away. 

Is Vitality the best critical illness cover? 

Here are the main features when you take out Vitality life insurance with serious illness:

CriteriaOverall life insurance and critical illness cover
Coverage

Two levels of protection:

  • Comprehensive (182 conditions covered)
  • Primary (153 conditions covered)
Children’s Cover
  • Children’s illness is included
  • The amount of the cover is 50% of your chosen Serious Illness Cover amount, up to a maximum of £25,000 per child
What should you know about Vitality critical illness cover?
  • 7% of serious illness claims paid in 2018 were unique to Vitality
  • Serious Illness Cover Booster: for certain serious illness conditions, the payment you’ll get may be increased
Vitality life insurance

How much is Vitality life insurance?

The big question is knowing how much life insurance you’ll need. Your answer to this question (as well as your age) will mainly determine the price of your life insurance:

However, your life insurance price will also depend on several factors: 

  • Your medical conditions
  • Whether or not you are a smoker 
  • Which add-ons you add to your life insurance 
  • Your salary
  • The coverage you want
  • Whether you take out a joint policy or not 

So you must ask yourself the relevant questions for your own situation, for example: Do you have a loan? Do you have savings? Do you have debts? Do you have a family? Does your job offer protection? 

How to contact Vitality life insurance?

Here are all the important phone numbers for contacting Vitality life insurance: 

ServicePhone NumbersOpening Hours 
Get a quote at Vitality0808 159 3409Monday – Friday: 9.00 am – 5.00 pm
How to claim at Vitality0345 601 0072Monday to Thursday 8.30 am to 6.00 pm and Friday 8.30 am to 5.00 pm
How to cancel at Vitality

0800 030 4903

NA
Vitality phone numbers

What are Vitality general contact details? 

You will find in this table all the general contacts that you would need if you want to reach Vitality life insurance: 

General contacts
Mailing address

Vitality Life, Sheffield, S95 1BW

Social media 

Facebook, twitter, instagram, youtube

Chatbot

No

Vitality general contacts

How to claim at Vitality life insurance? 

You will find on this table the different possibilities for reporting a claim on your Vitality life insurance: 

How to claim on your life insurance at Vitality?
When to claim?

As soon as possible

Claim by mail

Vitality Life, Sheffield, S95 1BW

Claim by emaillife [email protected]
Claim online

Not available

Claim by phone0345 601 0072
Claim at Vitality life insurance

How to cancel my Vitality life insurance? 

You will find on this table the different ways to cancel your Vitality life insurance: 

How to cancel your life insurance at Vitality
Fees
  • No fees if you cancel your life insurance within 30 days
  • After 30 days, if you pay monthly, you won’t get refunded
  • If you pay annually, and you cancel after 30 days, you will be refunded the other months remaining
Cancel by mail

VitalityLife, Sheffield, S95 1BW

Cancel by email

[email protected]

Cancel onlineNot available
Cancel by phone

0800 030 4903

How to cancel my Vitality life insurance?

How do I get Vitality life insurance quotes? 

Here are the different ways to get a life insurance quote at Vitality: 

How to get a life insurance quote at Vitality
Quote online

You can go online to the insurer’s website to get a quote, but we advise you to use our tool to compare prices and offers from all the insurers on the market instantly.

Quote phone0808 159 3409
Get a quote at Vitality

How do I log into Vitality life insurance?

Go to vitality life insurance website, and click on “Log in”, you will have access to your own space to be able to manage your policy.

Do we recommend Vitality life insurance?

Vitality has really good reviews given by independent institutions and a really good rate of claim pay-outs.

Vitality life insurance has a lot of options available, and offers all the basic life insurance options: level, decreasing and whole life insurance. This is not the case for every provider, so it is a really good point. Vitality’s Serious Illness Cover offers really good coverage. With its two levels of protection, primary and comprehensive, if you are ill, it’s likely that your disease is on the long list proposed by vitality.

What is life insurance? 

Life insurance is a contract between an insurance company and the policyholder. In exchange for an annual or monthly premium, the insurance company agrees to give out to a designated beneficiary a lump sum if the policyholder were to pass away. 

How does life insurance work in the UK?

Like with other types of insurance, it is a standard procedure: the policyholder pays a premium to a provider, with an agreed level of cover. 

Is life insurance worth getting?

Yes, it is worth getting life insurance when people depend on you financially, like your family.

What are the best life insurance with free gifts?

Lots of life insurance providers offer free gifts: 
– Royal London
– Legal & General
– Aviva
– Shepherds Friendly 
– OneFamily 
– British Seniors Insurance Agency

How much is life insurance in the UK? 

How much life insurance in the UK is depends on a lot of factors. However, with our data, we calculate that the average monthly cost of life insurance is £15. Of course, the price will depend on whether you take out joint or single life insurance, and the term of your insurance if you are not taking out  a whole life insurance policy. 

What is the best life insurance in UK?

There are lot of life insurance policy that have interesting features. Depending on these features, you can decide if this life insurance suits you. 
To find what is the best life insurance for you, use our tool to compare prices and offers from all the insurers on the market instantly.