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Life insurance for families


5-Star Defaqto rated cover to protect your nearest and dearest.

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Protect your family's financial security for the future

If you couldn't work, or you passed away, a life insurance payout would help your family's finances. They could use the money to pay off debts, like the rest of your mortgage.

Family life insurance isn't a standalone policy, plan or product. It just refers to a life insurance plan.

How much life insurance do you and your family need?

Call us on 0161 974 2517 to speak to an expert adviser or get a quote.

Do I need life insurance for my family? 

It's common for people to consider life insurance if:
  • You don’t have enough savings to cover your outgoings if you weren't earning
  • You're about to start a family or already have children
  • You couldn't pay for your child's school or university fees if you weren't earning.

What's the best type of life insurance cover for my family?

Below are some of the award-winning cover options that we offer. You can choose one plan, or combine options so it's personalised for you and your family.

  • Life insurance

    Umbrella icon

    This pays out a tax-free lump sum to you or your family if you become terminally ill or die. For lifetime cover, and a guaranteed payout, there's whole of life insurance. For cover between five and 70 years, there's term life insurance. Not sure what's the best plan for you? Compare life insurance options.

    More on life insurance

  • Income protection insurance

    Coins icon

    If you get sick and can't work, income protection insurance pays you part of your monthly income. It's tax free and helps you protect your finances while you recover. It can pay out up to 60% of your salary, but the payout is tax-free so it should replace most of it.

    More on income protection insurance

  • Serious Illness Cover

    Medical bag icon

    You can add Serious Illness Cover to a life insurance plan or buy it as a standalone plan. If you're diagnosed with a serious illness we cover, you'll receive a lump sum payout. You can use the money for things like medical treatments and paying the household bills. There's also Serious Illness Cover for children which you can add to your plan.

    More on Serious Illness Cover

  • Mortgage protection insurance

    home icon

    Mortgage protection pays off the rest of your loan if you become ill or die during the policy. This means your family could keep their home.

    More on mortgage protection insurance

Why choose Vitality’s life insurance for your family?

✓ A brand you can trust - In 2020, we paid out 99.6% of life insurance claims
✓ Get a discount on your monthly premiums when you add Optimiser to your plan - Up to 30% off when you choose term life insurance, and up 40% off when you choose whole of life insurance
✓ Access to Vitality partner discounts and rewards - Add your children to your plan and get discounts at the Disney Store and more
✓ Free no-obligation advice - Our advisers offer free, expert advice
✓ Add children to your plan - Add more children to your plan without further underwriting.
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Better rewards with the Vitality Programme

At Vitality, it's not just insurance, you get rewarded too.

By getting active each week, you can earn a maximum of 8 Vitality activity points per day and up to 40 Vitality activity points per week.

✓ Get rewards, regular treats and discounts from our partners. 
✓ Access the Vitality Programme for children at no extra cost with Child Serious Illness Cover 
✓ Kickstart your fitness with a free health check 
✓ Boost your income protection when you get active

Find out more about the Vitality Programme

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How much cover do I need?

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Life insurance for families FAQs

Can I add my parents to my insurance?

No, you can only add your spouse and children to your plan.

Can I change my plan later?

Yes. If your circumstances change you can increase your cover or buy extra policies. You can also choose to add indexation to your plan at no extra cost. This makes sure you always keep the level of cover you need and increases your cover each year. You can also choose to opt out of any future increases.

Can I take out life insurance while pregnant?

Yes you can. Take your little one into consideration when deciding on the type of plan.

Could life insurance help me cover the cost of having a baby?

Life insurance could ensure the costs of having a baby are covered if something happened to you.

Is a spouse a dependent?

If your spouse is relying on you financially, then they are considered a dependent.
Source

1This comparison is based the differences between Serious Illness Cover and other covers.These are interpreted by VitalityLife and Defaqto at 11/11/2019. The comparison excludes any special offers or promotions. This cover comparison information is for personal use and is guidance only. It isn't a contractual representation, warranty or obligation about the: Completeness; Accuracy; Reliability; Suitability; Or availability of the comparison. Neither party accept any liability for: Errors; Omissions; Direct or consequential loss in relation to this comparison.