Vitality offers two ways to pay for your protection cover. Both provide the same high-quality cover and access to the Vitality Programme. The difference is how your premiums are calculated over time.
| Standard Premium | Vitality Optimiser |
|---|---|
| Higher starting premium | Lower starting premium, with discounts of up to 30% on term cover and up to 40% on Whole of Life cover available at outset |
| Premiums are not linked to Vitality engagement | Future premiums are linked to your Vitality status and engagement |
| Greater certainty over future costs | Opportunity to maintain lower premiums through healthy lifestyle activities |
| No activity tracking required | Rewards and discounts available through the Vitality Programme |
| Suitable for clients who prefer complete predictability | Suitable for clients who enjoy engaging with wellbeing and lifestyle benefits |
The good news: you don't need to be a fitness fanatic
One of the most common misconceptions is that Optimiser is only suitable for people who visit the gym regularly or take part in intensive exercise.
In reality, most Vitality points are earned from everyday activities and normal daily movement. This can include:
- Walking the dog
- Daily walks
- Gardening
- Household activities
- Walking to work
- General day-to-day movement
Many members earn points through activities they already do as part of normal life.
Who might Optimiser be suitable for?
Optimiser may be suitable if you:
- Like the idea of a lower starting premium
- Regularly walk, exercise or stay active
- Use, or are happy to use, a smartwatch or fitness tracker
- Enjoy discounts, rewards and wellbeing benefits
- Are comfortable engaging with the Vitality Programme
- Want protection that rewards healthy habits as well as providing financial security
A Standard Premium may be more suitable if you:
- Prefer complete certainty over future costs
- Do not want to track activity or engage with the Vitality Programme
- Would rather pay a higher premium initially in exchange for greater predictability
- Are unlikely to make use of the rewards and wellbeing benefits
Your premiums are protected
Even if you choose Optimiser and do very little engagement, annual premium increases are capped.
| Vitality status | Maximum annual premium increase |
|---|---|
| Platinum | 0% |
| Gold | Up to 0.5% |
| Silver | Up to 1.5% |
| Bronze | Up to 2.5% |
Important: Even if you remain at Bronze status, your premium cannot increase by more than 2.5% in any year under the current Optimiser structure.
Why many clients choose Optimiser
Unlike traditional protection policies, which generally provide value only when a claim is made, Optimiser allows clients to benefit throughout the lifetime of the policy through:
- Lower starting premiums
- Health and wellbeing support
- Access to rewards and discounts
- Tools to help improve long-term health
- Ongoing engagement benefits
You receive financial protection for your family while also being rewarded for maintaining healthy habits.
A simple way to think about it
Standard Premium
Pay more today for greater certainty tomorrow.
Optimiser
Pay less today and potentially continue benefiting from lower premiums by engaging with the Vitality Programme.
Why Vitality is different
Traditional protection insurance is designed to provide financial support when something goes wrong.
Vitality aims to do more. Alongside financial protection, it provides tools, support, rewards and incentives designed to help members improve their health and wellbeing throughout the lifetime of their policy.
For many clients, this means receiving value from their policy long before a claim is ever needed.
Provider document
The full Vitality Optimiser guide, including how premiums are calculated and examples of engagement.
View Vitality Optimiser guide (PDF) →This guide is for informational purposes only and was accurate at the date of publication. Please seek personalised advice before making financial decisions.
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