Is Vitality The Best Life Insurance Policy?
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyThis 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 Criteria | Safe Rating | Our Review |
|---|---|---|
| Customer service satisfaction, claims and support |
99.8% of death claims have been paid in 2018 | |
| Coverage options |
Life insurance: level, decreasing and whole life insurance. | |
| 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. | |
| Apps and technologies |
No chatbot available. |
Expert and customer satisfaction reviews for Vitality
| Review organisation | Consumer satisfaction rates for Vitality Life insurance |
|---|---|
| Trustpilot | 4,5/5 based on 20,262 reviews |
| Defaqto | 5 |
Vitality insurance in a nutshell
In summary, here are the main features you need to know when taking out life insurance with Vitality.
| Criteria | Vitality details |
|---|---|
| Minimum age | 16 years |
| Maximum age | 74 years |
| Pay-out | Up to £20,000,000 |
| Life insurance with free gifts | £100 |
| Extras |
|
| Terminal illness | Yes |
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.
| Criteria | Vitality life insurance |
|---|---|
| Minimum term | 5 years |
| Maximum term | 70 years |
| Pay-out | Up to £20,000,000 |
| Minimum monthly premium | £10 |
| Extras or any interesting facts | 40% off monthly gym (under conditions) |
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.
| Criteria | Provider Details |
|---|---|
| Vitality term life insurance (level) |
|
| Vitality decreasing term life insurance, also known as life insurance for mortgage |
|
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 insurance | Vitality whole life insurance details |
|---|---|
| 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 |
|
| Protected cover |
|
| Wellness optimiser: |
|
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:
| Criteria | Overall life insurance and critical illness cover |
|---|---|
| Coverage | Two levels of protection:
|
| Children's Cover |
|
| What should you know about Vitality critical illness cover? |
|
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:
| Service | Phone Numbers | Opening Hours |
|---|---|---|
| Get a quote at Vitality | 0808 159 3409 | Monday - Friday: 9.00 am - 5.00 pm |
| How to claim at Vitality | 0345 601 0072 | Monday 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 |
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 |
scottish widows life insurance contact number
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 email | life [email protected] |
| Claim online | Not available |
| Claim by phone | 0345 601 0072 |
Here are all the important Vitality life insurance contact number!
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 |
|
| Cancel by mail | VitalityLife, Sheffield, S95 1BW |
| Cancel by email | |
| Cancel online | Not available |
| Cancel by phone | 0800 030 4903 |
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 phone | 0808 159 3409 |
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.
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.
Yes, it is worth getting life insurance when people depend on you financially, like your family.
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.
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.
Lots of life insurance providers offer free gifts:
- Royal London
- Legal & General
- Aviva
- Shepherds Friendly
- OneFamily
- British Seniors Insurance Agency
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.
