Term Life Insurance

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 a range of discounts and rewards by adding Vitality Optimiser.
  • Choice of terms that suit your specific need – terms range from 5 to 40 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

Save More and Get Better Rewards with Vitality Optimiser

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

  • Up to 25% off your protection premium – save on our standard premium with an upfront discount ranging from 5% to 25%
  • An additional 1% premium discount each year – earn a further 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 annually – get from £50 to £100 cashback based on your activity and points status. 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 (no joining fee until September) to weekly cinema tickets at Cineworld or Vue and 50% off a pair of running shoes online and in-store at Sweatshop.


The 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. The 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.

Got a Question?

Call a Health-Reward adviser now on 
0800 881 5666
Lines are open 9am – 8:30pm, Monday to Friday. Calls may be recorded and monitored to improve customer services. Calls to this number are FREE.

Serious Illness Cover

Award Winning Cover
VitalityLife Serious Illness Cover has been awarded a 5-Star Rating by Defaqto every year since it launched in 2007.