Vitality life insurance | Discounted Quotes For Vitality Life
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Vitality Life insurance Review & Compare
Choosing the right life and critical illness cover is crucial for ensuring that you’re paying into a package that’s worth your while. The trouble is that every life insurance provider has a pretty pressing incentive to claim that their policies are best.
One such provider is Vitality life insurance, who’s tagline ‘positively different insurance and investments’ makes an immediately high claim. As does their award-winning policy status and reward-based model.
But, none of this tells you who Vitality are, or what they offer from their policies on a broader scale. That’s why we’ve delved into the details to help you decide whether Vitality life insurance is for you.
Who is Vitality?
First, it’s essential to understand who Vitality is/what they’re aiming to do as a company.
The most notable thing about this South African-owned company is their rewards programme. Underlying all their insurance policies, this encourages and even rewards you for living a healthier life. That’s a pretty unique stance for an insurer, and it’s one that’s led to a host of glowing Vitality life insurance reviews.
Effectively, Vitality works off a shared value model made possible by their partners and rewards, which include discounts at hotels through Mr & Mrs. Smith and Virgin Active gym discounts, to name a few.
They offer both term insurance and whole life insurance policies and mostly claim to provide more comprehensive packages than many providers elsewhere.
Vitality life insurance Reviews Are GOOD!
Vitality life insurance reviews are in general pretty good. They are Defaqto 5-star rated from the off, and those shared value models we discussed above mean that Vitality goes as far as claiming that they can save you £730 a year here.
So far, so good, but, ultimately, we aren’t here to discuss those extra bonuses, so let’s discuss the quality of this policy itself.
Ultimately, Vitality offers four different policy types, which can be purchased on either a one-time basis or as part of an insurance package. They are -
- Life cover: Available on a term or whole life basis, this basic policy offers a guaranteed lump sum cash payment in the event of your death.
- Serious illness cover: We’ll look further into this cover next but, primarily, this plan offers a lump sum payment if you receive a life-changing diagnosis for both severe and non-threatening illnesses.
- Mortgage protection cover: Ensures mortgage payments if you die/are unable to work or complete your payment terms due to illness.
- Income protection cover: Ensures your monthly income if you’re unable to work
As with the majority of providers, premiums on these packages depend on everything from your age, height, and risk, but packages can begin as low as £9.75 per month with structures available, including level cover, indexed cover, and decreasing cover.
Vitality serious illness cover
Vitality does not offer a critical illness policy but has replaced this with a supposedly more comprehensive plan, which they call serious illness cover. The obvious benefit here is that this policy covers not only critical conditions but also non-threatening yet equally disruptive diagnoses. This leads to coverage of 182 conditions in total, which Vitality claims is more than any other replica policy.
To further justify the 5* rating that this policy has also earned, Vitality offers payments even at the beginning stages of a condition/treatment journey, a fact that significantly contributes to the average £20 million payouts from this plan annually. Further, it’s possible to boost that initial plan for payments of up to 200% for long-term debilitating conditions. Vitality even goes as far as allowing you to add children to your policy for coverage that comes anywhere between £20,000 and £100,000.
What do their customers say?
Of course, you can never truly understand how worth your while a policy will prove until you’ve considered consumer reviews surrounding it. Luckily for Vitality, their 1,000,000+ members offer favourable reviews indeed, with five-star ratings given pretty much across their insurance board. Of course, that’s hardly surprising given their unique focus on reward-led policies complete with comprehensive coverage. Still, the flexible and expansive plans on offer also seem to win people around to their cause. Do note, though, that many consumers report trouble with actually contacting the customer services department when difficulties arise.
Vitality is an interesting provider, and their life insurance and serious illness policies are certainly worth your while if you’re seeking plans that pay now, as well as in the future. Just think about whether those rewards would suit your needs/location, and whether a sometimes unreachable customer services department would be a significant issue for you.
Discount Life Insurance…Why Use Us
We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.
Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.