Vitality Life Insurance Review 2025
Vitality Life is a large insurance company with over 4.
You are responsible for determining the policy term and the amount of coverage you deem appropriate.
Vitality Life is a large insurance company with over 4.
You are responsible for determining the policy term and the amount of coverage you deem appropriate.
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Vitality Life is a large insurance company with over 4.4 million clients. It was formed as a result of a merger between South African Discovery Holdings and the UK Prudential group.
It is a popular insurer largely due to its Vitality Optimiser Programme, which offers rewards like cinema tickets or fitness trackers as incentives for maintaining a healthy lifestyle.
The company’s ethos is to encourage fitness and health, as the Vitality Optimiser also provides discounts on your premium based on your activity levels.
Contents
The Life Insurance product offers options to adjust the policy term and personalize your desired level of coverage.
A decreasing cover option is available, allowing you to factor in reducing financial obligations when purchasing life insurance.
For example, this could be suitable if you have a mortgage that will be paid off over time, or if your children are growing up and becoming financially independent.
Indexed Cover
You might prefer indexed cover, where the coverage amount increases in line with inflation.
Indexed cover is often a popular choice for long-term policies. If you start a policy when your family is young, inflation could significantly reduce the real value of the benefit by the time it is needed.
Fixed Cover
With fixed cover, the coverage amount you choose remains constant throughout the policy term.
You are responsible for determining the policy term and the amount of coverage you deem appropriate.
Vitality Life allows you to take out cover if you are between 17 and 75 years old at the policy’s start. All policies will terminate when you reach the age of 90.
Similar to other life cover providers, Vitality Life’s policy provides a payout to your designated beneficiary if you die within the coverage period, helping them manage financially after your death.
Whole of life cover ensures that your beneficiaries will receive a lump sum whenever you die, as long as premiums are continuously paid.
This option is popular for individuals who may not have significant future financial obligations, such as replacing an income, but wish to ensure their family has funds for one-off expenses like funeral costs.
We compare plans from the leading life insurance providers
Mortgage life insurance is also available through Vitality Life. This is designed to ensure mortgage payments can continue if something happens to the primary earner. Vitality Life offers two mortgage life insurance options:
Mortgage Incapacity Cover
This cover ensures your monthly mortgage payments are covered if you become unable to work due to illness.
Mortgage Life Cover
In the event of your death, your mortgage would be paid off as a lump sum.
Income Protection Cover provides another valuable layer of financial security. This product is designed to provide your family with a regular income if you cannot work due to an accident or illness.
A significant advantage of Vitality is its Serious Illness cover. Adding it to your life insurance policy provides cover for a wide range of illnesses, exceeding the coverage offered by many competitors. Vitality Life covers approximately 170 conditions, compared to an average of around 50 conditions covered by other providers.
Serious Illness Cover pays out a lump sum if you are diagnosed with one of the serious illnesses listed in the policy.
The lump sum payout is tiered, with higher amounts for the most serious illnesses and lower amounts for less severe conditions.
A key benefit of this provider is the ability to make multiple claims for serious illnesses.
Vitality recognizes that as people live longer, financial cover should reflect this increased lifespan.
The substantial benefit of this cover is that your family will have access to a significant sum to manage unexpected expenses or simply to alleviate financial stress and provide care for you.
Defaqto ratings are an independent assessment of financial products, helping consumers understand the quality of different offerings. Ranging from 1 to 5 stars, a 5-star rating indicates an excellent product with comprehensive features. These ratings are current as of March 7, 2025.
VitalityLife demonstrates strong performance across most of its core products. They achieved a 5-star rating for Income Protection, Whole of Life Assurance, and various Life and Critical Illness policies (level term and decreasing). This highlights Vitality’s commitment to providing high-quality protection in these key areas.
However, their Protection Menu Plan received a 3-star rating, suggesting areas for potential improvement compared to competitors. Looking at competitors, Aviva generally scores highly with 5 stars in many categories, but their Protection Menu Plan is rated at 4 stars. Legal & General also boasts numerous 5-star ratings, while Zurich shows a mix of 5 and 4-star ratings across their product range.
For consumers, Vitality’s consistently high Defaqto ratings in core areas like Life and Critical Illness cover offer reassurance of a robust and comprehensive product. While the Protection Menu Plan rating is lower, the strength in individual policy areas makes Vitality a strong contender for those seeking specific protection needs.
Once you have chosen your desired policies, you can decide whether to include the Vitality Optimiser.
The Optimiser offers an immediate discount and further opportunities to manage your premiums by adopting a healthy lifestyle. You earn Vitality points by logging your activity on an app, such as steps walked or alcohol units consumed.
Accumulating points leads to a Vitality status, reflecting your engagement with and improvement in your health. Demonstrating a healthy diet and regular exercise can result in lower premiums.
However, be aware that if you do not demonstrate a commitment to a healthy lifestyle, your premiums could increase by up to 2%.
Vitality Life is an innovative insurer, particularly suitable for certain customers.
If you are motivated to lower your premiums by maintaining fitness and health, Vitality Life, a provider recognised for high quality, is worth considering.
| Type | Plan name | Rating |
|---|---|---|
| Critical illness (standalone) | Personal Protection Plan SIC | 5 |
| Critical illness (standalone) | Personal Protection Plan SIC Plus | 5 |
| Critical illness (decreasing) | Personal Protection Plan Mortgage SIC | 5 |
| Critical illness (decreasing) | Personal Protection Plan SIC | 5 |
| Critical illness (decreasing) | Personal Protection Plan SIC Plus | 5 |
| Critical illness (level term) | Personal Protection Plan Mortgage SIC | 5 |
| Critical illness (level term) | Personal Protection Plan SIC | 5 |
| Critical illness (level term) | Personal Protection Plan SIC Plus | 5 |
| Income protection | Income Protection Cover | 5 |
| Income protection | Income Protection Cover Plus | 5 |
| Income protection | Short Term Income Protection Cover | 5 |
| Life assurance (decreasing) | Personal Protection Plan SIC | 5 |
| Life assurance (decreasing) | Personal Protection Plan SIC Plus | 5 |
| Life assurance (level term) | Personal Protection Plan SIC | 5 |
| Life assurance (level term) | Personal Protection Plan SIC Plus | 5 |
| Whole of life assurance | Personal Protection Plan | 5 |
| Whole of life assurance | Personal Protection Plan Premium Step | 5 |
