Vitality Optimiser

Our best savings & rewards with Vitality Optimiser

Vitality Optimiser is available to add to all our protection plans. It gives you all the best rewards and discounts we offer to help you save on your insurance.

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1. Get exclusive access to our discounts and rewards

• You could earn £50, £75 or £100 cashback every year. The more you do to look after your health, the more cashback you could earn.
• You can get a cinema ticket every week, discounted gym membership fees and money off travel and holidays. Explore our rewards partners.

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2. Pay lower protection premiums in the first year

Vitality Optimiser gives you an upfront discount on our standard protection premium.

• If you want cover for a fixed number of years, you'll get an upfront discount on your protection premiums of between 5% and 25%. The longer your term, the bigger your discount.
• If you want cover for the whole of your life, you'll get an upfront discount of between 25% and 47%. The younger you are when you take your cover out, the bigger your discount.

It doesn't matter how healthy you are today – everyone will get a discount from day one. It can help you get the cover you need, at a price you can afford.

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3. Keep your protection premiums low in future years if you look after your health

If you do healthy things, you could keep your protection premiums lower than our standard protection premiums.

• If you make no effort to look after your health, your protection premiums will go up by 2% each year.
• If you make a small effort, your protection premiums will only go up by 1% each year.
• With more effort, your protection premiums will stay the same each year, so you keep your upfront discount.
• With enough effort, your protection premiums could even go down by 1% each year.

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What you pay for Vitality Optimiser

If you choose to add Vitality Optimiser, your monthly premium will be made up of:

Your insurance premium

This is the price you pay for your cover. With Vitality Optimiser, your protection premium is discounted in your first year, compared to our standard protection premium. After that, it can go up, go down or stay the same each year, depending on what you do to look after your health. To be eligible to add Vitality Optimiser you must have a minimum monthly protection premium of £20 for a plan covering one person or £30 for a plan covering two people.

A fee for rewards and cashback

Additional rewards and cashback are available with Vitality Optimiser for a small monthly fee. This fee is subject to change. To find out about these charges please read our reward terms and conditions.

Unlike your protection premium, this fee isn’t discounted and it isn’t affected by what you do to look after your health.

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How to apply or find out more?