A plain-English explainer on how the Vitality programme works, what it actually influences, and where people commonly misunderstand it. Vitality is a wellness and rewards programme layered onto certain life and health policies — it is not insurance in itself, and this page is purely educational.
Book a free 15-minute callPoints from exercise, health checks, and healthy purchases build your status level over time.
Vitality itself doesn't pay claims — it's a wellness layer added on top of a life or health policy.
Higher status levels can reduce premiums or increase benefits on qualifying products.
Only specific product ranges include Vitality — it isn't universal across all policies.
Steps, gym visits, and an annual health check all feed into your status calculation.
Benefits depend on maintaining status — inactivity can see benefits reduced at renewal.
Steps, gym visits, and workouts logged through a connected device or app.
A yearly check-up that measures key health markers and contributes meaningfully to status.
Purchases like healthy food or sports gear through partnered retailers.
Age-appropriate screenings that catch issues early and contribute to your score.
Status is built progressively — a single burst of activity won't move it much.
This is educational, not a sales pitch — but if you want to check whether your policy includes Vitality and how it's structured, happy to talk it through.
Pick a slot that works for you — no forms to fill in first.
Your current cover, your goals, your budget — a proper needs analysis, not a quote bot.
Only once I understand your situation — never before.
No. It's a wellness and rewards programme that sits alongside certain life and health policies — the policy itself is what pays claims.
No, only specific product ranges. It's worth checking whether your particular policy actually includes it.
On some qualifying products, yes — status level can influence premiums or benefits at renewal.