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03334149323
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8am – 8pm Monday to Friday
9am – 5pm Saturday and Sunday
Our range of additional covers and options can be added to any of our core covers with the flexibility to be removed at any time.
Protect your family's living costs if something happens to you.
Take out our Family Income Cover alongside Life Cover, Serious Illness Cover or Income Protection. There are two levels of cover to choose from: Primary Cover, or Comprehensive Cover, which comes with some extras.
* Premiums are not reduced for Vitality Plus. Also premium discounts do not apply to the Essentials Plan.
Min term | 5 years |
Max term | Reviewable premiums 60 years Guaranteed premiums 50 years |
Min sum assured | £250 each month subject to minimum premium |
Max sum assured | The monthly equivalent that will lead to a total payout of up to £20,000,000 |
Min entry age next birthday | 17 |
Max entry age next birthday | 75 |
Max expiry age/date | Age 80 exactly |
Min term | 5 years |
Max term | Reviewable premiums 50 years Guaranteed premiums 40 years |
Min sum assured | £250 each month subject to minimum premium |
Max sum assured | The monthly equivalent that will lead to a total payout of up to £3,000,000 Includes any Serious Illness Cover/Disability Cover |
Min entry age next birthday | 17 |
Max entry age next birthday | 65 |
Max expiry age/date | Age 70 exactly |
Make sure your children can fulfil their potential.
Education Cover is designed to make sure that your children don't have to miss out on any part of school life, even if something happens to you. If you die we'll pay a range of benefits for each child on your plan, to help cover the costs of their education. You can even choose cover that will pay if you become seriously ill.
* Premiums are not reduced for Vitality Plus. Also premium discounts do not apply to the Essentials Plan.
Min – Max term | Available for a child, 18 years or younger at entry |
Min entry age next birthday | 17 |
Max expiry age/date | 75 |
Maximum expiry age/date | Age 80 exactly |
Min – Max term | Available for a child, 18 years or younger at entry |
Min entry age next birthday | 17 |
Max entry age next birthday | 65 |
Max expiry age/date | Age 70 exactly |
Additional peace of mind for parents.
Optional Serious Illness Cover for Children pays you a cash lump sum if your child suffers a serious illness. You can purchase up to £100,000 extra cover for each named child on your plan, even if you don't have Serious Illness Cover.
Min sum assured | £20,000 per child |
Max sum assured | £100,000 per child |
Min entry age next birthday | 1 months exactly |
Max entry age next birthday | 17 |
Max expiry age/date | Plan anniversary before the 19th birthday (or 24th birthday if in full time education) |
Top your cover back up tp 100% automatically after you've made a claim.
Protected Cover lets you top your plan account back up to its original level immediately after a claim, giving you extra reassurance that you'll have more cover in place should you need it again.
Min entry age next birthday | 17 |
Max entry age next birthday | 65 |
Max expiry age/date | When Serious Illness Cover and Optional Serious Illness Cover for Children have ended |
Get extra certainty that you are covered.
There are three premium waivers available which can be added to your plan, to provide you with added security.
If you become ill and cannot pay your premiums, your policy may stop altogether. This might mean you have to take out another policy to get re-covered. With the Premium Waiver option, we will waive your plan premiums while you are ill so your cover does not stop.
If you become ill, injured, or disabled, we stop charging the plan premium for your plan. You can choose a deferred period (the period of incapacity before your benefits are paid) of 7 days, 1, 3, 6 or 12 months.
Waiver of Premium on DeathThis cover is only available if you have a joint life plan. If one person covered dies or is diagnosed with a terminal illness, we stop charging plan premiums for the other person covered by your plan.
Waiver of Premium on Serious IllnessIf you get a serious illness that we class as severity A, we stop charging the plan premium for your plan. You do not need to have Serious Illness Cover to have this waiver.
Waiver of Premium on Death | Waiver of Premium on Serious Illness | Waiver of Premium on Incapacity | |
---|---|---|---|
Min term | 5 years | 5 years | 5 years |
Max term | 40 years | 30 years | 54 years |
Min entry age next birthday | 17 | 17 | 17 |
Max entry age next birthday | 65 | 60 | 60 |
Max expiry age/date (not applicable to whole of life) |
Age 75 exactly | Age 70 exactly | Age 70 exactly |
Protect against rises in the cost of living.
Indexation allows you to increase your cover each year, without further underwriting. This protects against rises in the cost of living, making sure you have the cover you need now and in the future.
Increase your cover if your life changes in specific ways.
If you have a VitalityLife Plan, this option guarantees that you can increase your cover if your life changes in specific ways. For instance, if you have a child or become a homeowner, you can increase your cover without giving more information about your health.
Get even more help coping with the long term effects of some serious illnesses. Find out more
8am – 8pm Monday to Friday
9am – 5pm Saturday and Sunday
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