Term Life Insurance

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Term Life insurance helps you protect your loved ones by paying a cash lump sum on death or the diagnosis of a terminal illness.

The benefits of choosing our Term Life insurance include:

• Save up to 25% on your premiums and enjoy our best range of discounts and rewards, if you qualify and add Vitality Optimiser
• Choice of terms that suit your specific need – terms range from 5 to 70 years
• With our more comprehensive VitalityLife Plan receive free cover while we assess your application
• Select a level of cover up to £20,000,000 to help your loved ones cover expenses if you’re not around
• Be confident in your choice knowing our Term Life insurance is independently rated 5-star by Defaqto

Big savings and rewards with Vitality Optimiser

Our award-winning life insurance is more rewarding with Vitality Optimiser. If you qualify¹ and add Vitality Optimiser you will enjoy:

• Up to 47% off your protection premium – save on our standard premium with an upfront discount ranging from 25% to 47%
• An additional 1% premium discount each year – the opportunity to earn a 1% premium discount at your plan anniversary if you look after your health and get active. If you don’t get involved, your premium will increase by 2% each year.
• Up to £100 cashback in your pocket – get from £50 to £100 cashback based on looking after your health and getting active. Just like the additional premium discounts you could earn each anniversary, the cashback you earn is linked to the Vitality points you earn by getting active

Plus, with Vitality Optimiser you get rewards that can help you to save with big UK brands. Savings range from 50% off monthly gym fees at Virgin Active (a joining fee will apply)² to a weekly cinema ticket at Cineworld or Vue³ and 50% off a pair of running shoes online and in-store at Sweatshop.

Explore all the savings and rewards of Vitality Optimiser

How to apply or find out more?

¹Minimum monthly protection premiums of £20 (single life) and £30 (joint life) apply.

²The gym discount applies to flexible individual monthly memberships. Gym joining fees are up to £50 for all clubs other than Classic Collection clubs, where joining fees are up to £150. The gym offer does not apply to Chiswick Riverside Virgin Active club.

³The cinema offer applies at Vue and Cineworld with a maximum of one ticket per week per person covered on the plan. The cinema offer excludes 3D films.