About VitalityLife

VitalityLife is a UK-based company founded in 2007 (then known as PruProtect, but rebranded as VitalityLife in 2014) which specialises in selling personal protection products – like life insurance and income protection – to individuals and families in the UK. Its sister brand, VitalityHealth, specialises in doing the same for private medical insurance. They’re both owned by South African financial services company, Discovery Limited. VitalityLife's mission is 'to make people healthier and to enhance and protect their lives'.

VitalityLife income protection policy features

If you buy your income protection through VitalityLife, your policy is likely to come with the following features:

Back-to-work benefit If you become able to work while making an income protection claim, but can only go back part time (or to a different job with a lower salary), you’ll continue to receive a proportion of your income protection benefit.
Rehabilitation Access to rehabilitation services to help you get back to work more quickly. This could include physiotherapy, counselling, or any other service/procedure that might help speed up your recovery.
Benefit guarantee Your income protection benefit will never fall below £1,500/month – as long as you bought at least that amount when you took out your policy. You normally need to be working a minimum number of hours to qualify for this benefit.
Hospitalisation benefit Get £100 per night if you are hospitalised for any reason during the waiting period of a claim. This benefit is usually subject to a minimum and maximum number of consecutive nights spent in hospital.
Waiver of premium Most income protection policies come with this handy add-on that means you won't keep paying your monthly premiums if you're off work for medical reasons. You usually need to be off for a certain amount of time before you can claim this benefit.

You also have the option of adding Wellness Optimiser or Vitality Optimiser to your policy plan to get access to discounts, rewards and cashback. These would be paid-for, ‘non-contractual’ benefits, meaning they’re not related to contractual conditions of your own policy. Bear in mind that these could be subject to change in the future.

VitalityLife income protection claim rate

In 2018, VitalityLife paid out 97.8% of income protection claims, amounting to £421,803. Claims not paid out were due to non-disclosure (i.e. providing inaccurate information during the application process).

VitalityLife income protection prices

The following prices are based on:

  • Healthy 25-year old male or female office worker
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £25 £36
26 weeks £22 £30
Short-term 13 weeks £11 £15
26 weeks £10 £13
  • Healthy 25-year old male or female plumber
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £50 £75
26 weeks £42 £62
Short-term 13 weeks £20 £29
26 weeks £16 £24
  • Healthy 35-year old male or female office worker
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £36 £53
26 weeks £32 £45
Short-term 13 weeks £16 £21
26 weeks £13 £18
  • Healthy 35-year old male or female plumber
  • £1,500 of level income protection cover
Product Waiting period Non-smoker Smoker
Long-term 13 weeks £76 £115
26 weeks £62 £97
Short-term 13 weeks £30 £44
26 weeks £26 £37

Quoted on 06/03/2020
Long-term: Vitality Essentials Income Protection
Short-term: Vitality Essentials Income Protection

It’s important to make an informed decision when buying income protection – which is where Anorak can help. We scan all the major insurers to match you to the products most suitable for you, based on your unique needs. We give you peace of mind about who to go with (especially if your most suitable policy is from an insurer you’ve not used before).

Good to know: Our recommendations are regulated, completely impartial – and free. And we also have a team of human advisers who can help over the phone, if you prefer.

This review is intended for informative purposes only and does not constitute advice.