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Vitality Income Protection Insurance Review 2024

In our latest Vitality insurance review, our team of independent insurance experts explain how Vitality income protection insurance works for UK consumers in 2024. This is our full and comprehensive guide to what Vitality income protection does, and all the best benefits that are available for Vitality customers.

Based on our most recent research, our panel of insurance experts has rated Vitality as the UK’s best income protection insurance company. This was based on Vitality’s excellent customer reviews, outstanding rewards scheme, and all the top-quality features that are included in their income protection policies.

Vitality is one of the UK’s most innovative insurance companies and they are best known for rewarding their customers for healthy lifestyle choices. After building up reward points on the Vitality app, you can then redeem those points for discounts and free items from top High Street brands like:

Discounts & Rewards Partners

Income protection insurance can provide much needed financial support if you can’t work due to your health. Vitality is one of many income protection insurance companies in the UK, and their policies will work better for some customers than others. If you are unsure if Vitality is right for you, you might find it useful to get free advice from an insurance specialist.

A picture of a stopwatch

60-Second Summary – Vitality Income Protection Insurance Review 2024

Our independent panel of insurance experts recently rated Vitality as the UK’s best income protection insurance company. This rating was based on Vitality’s pricing, policy features, extra benefits, and positive customer feedback.

Record numbers of UK consumers bought income protection insurance last year, with the Association of British Insurers reporting that more than 247,000 new policies were sold. Vitality is an extremely popular choice for UK insurance customers, with over 1.7 million members across their life and health insurance policies.

  • Vitality income protection insurance will pay out a regular monthly income if you can’t work due to an illness or an injury. You can choose between policies that will pay out for 12 months, 24 months, 60 months, or even until retirement.
  • Based on our research, the average cost of Vitality income protection insurance is around £22.92 per month for a £1,000 per month claims pay out. The actual cost of cover will vary based on your age, smoker status, medical history, and job role.
  • Popular policy benefits include 20% boosted claims for Platinum members (‘Income Booster’) and the option to easily change your cover amount following a big life event (e.g. marriage or new mortgage).
  • Vitality customers can save significantly by taking advantage of Vitality rewards and discounts. However, you need to engage fully with the rewards programme to get the best value for money.
  • It can be helpful to get some advice from an insurance expert, if you are unsure if Vitality will offer the best policy and price for the cover that you need.

Vitality is a UK insurance company, which sells a range of products including life insurance, critical illness insurance, and income protection insurance.

It would be very easy to confuse Vitality with a gym or lifestyle brand, as their advertising puts so much focus into exercise and healthy living. They also partner with well-known UK athletes including Sebastian Coe, Tracey Neville, and Ellie Simmonds. Their celebrity partners often appear in Vitality TV adverts, like the one below featuring Jessica Ennis-Hill.

Jessica Ennis-Hill Volleyball TV Advert | Vitality UK

Vitality focuses so heavily on having an active lifestyle due to their ‘shared value’ model, which is a fresh and innovative approach for UK insurance companies. In simple terms, this means that Vitality provides rewards to their customers based on healthy behaviours, such as increasing your daily steps or improving your diet.

The aim of this is to both reward customers and to decrease your risk of dying or becoming ill. This benefits both you and Vitality as your risk of claiming on your policy will be lower.

Vitality does sell income protection insurance, and in fact they updated their products last year to provide better benefits for income protection customers. The main change that was introduced was the new ‘Income Booster’, which allows Vitality Platinum members to claim an additional 20% on top of their usual claim payments.*

Vitality income protection insurance has also been rated as 5 Stars by Defaqto, which indicates that their policies are comprehensive and include a decent range of benefits for their customers.

The video below explains more about how income protection insurance works for Vitality members.

Income Protection with Vitality | Vitality UK

Personal Protection with Vitality Brochure – CLICK HERE

Vitality Income Protection Terms and Conditions – CLICK HERE

*Can only claim the extra 20% for up to 6 months maximum

Our panel of income protection experts recently rated Vitality as the UK’s best income protection insurance company, based on their comprehensive policies and wide range of customer benefits.

Vitality is also very well-liked by their customers, with online ratings of 4.2 out of 5.0 Stars on independent review site Trustpilot. 68% of Vitality’s customers have rated them as 5.0 out of 5.0 Stars, and many reviews mention the Vitality team being helpful, knowledgeable, and professional.

Vitality Trustpilot screenshot

Vitality has over 1.7 million customers in the UK, with many people choosing Vitality income protection insurance due to popular benefits like:

  • Last year, Vitality introduced their ‘Income Booster’ which provides Vitality Platinum members with an extra 20% on top of their usual claim payments during their first 6 months of claims
  • You can claim a free Vitality Plus healthcare check within the first 12 months of your policy
  • The ‘Vitality Apple Watch Offer’ is a popular reward which allows you to get the latest Apple Watch for only £39*
  • Guaranteed Insurability means that you can adjust your policy easily following major life events (e.g. marriage, new job, new mortgage)
  • The Vitality Earnings Guarantee allows you to ‘lock in’ your benefit amount, so that it never changes even if your income decreases in the future (up to £1,500 per month)
  • Doctors and Surgeons can access the Higher Earnings Guarantee, which guarantees your claim pay outs for up to £3,000 per month
  • Waiver of Premium means that you won’t need to pay for your policy if you can’t work due to illness or injury
  • Vitality announced their ‘Multi Product Discount’ scheme in 2023 – so you can save by buying multiple Vitality policies (e.g. life insurance and income protection)
  • The helpful Recovery Benefit offers access to counselling, physiotherapy, and cancer support to help you to return to working as normal
  • Vitality members on parental leave (maternity/paternity leave) are still classed as working when they claim 
  • Public Sector Deferred Period Benefit will automatically match the deferred period on your policy to your pay out structure when you choose a 12-month deferred (waiting) period

Note: Vitality income protection insurance won’t pay out for redundancy or for being dismissed from your job role. You also cannot begin to receive any pay outs from your policy until after you have stopped getting sick pay (e.g. Statutory Sick Pay).

*Terms and Conditions apply

Many Vitality customers find that they save money each year, due to all the discounts and rewards that they can claim through the Vitality rewards scheme. Even our own Managing Directors have Vitality policies, having saved £1000’s over the last 10 years due to their active lifestyles.

However, it is important to note that Vitality’s ‘shared value’ model won’t be the best fit for everyone. You need to properly engage with Vitality’s rewards programme to get your full value for money, and this won’t be ideal for every customer.

It can be hard at times to earn Vitality points, and your monthly payments can increase if you don’t fully engage. Ultimately, it will be up to you whether Vitality feels like the right fit, but it can be useful to get some advice from an insurance expert if you are unsure.

Vitality income protection insurance will pay out a regular income to you if you can’t work due to an illness or an injury. These payments are usually tax-free (see Income Protection and Tax Guide) and are intended to help support you with essentials bills during your recovery.

There are flexible policy options available, so that you can build the level of cover that works for you. If you’re not sure what the right amount of cover is, you should consider your usual monthly bills and expenses and how you would pay for these if you couldn’t work.

You can claim on your Vitality policy if your doctor signs you off work for 4 weeks or longer. Depending on the exact policy that you have, you can claim for either 12 months, 24 months, 60 months, or until the end of your policy term. Your monthly claim payments will stop when you either reach the end of your claim period or you return to work.

Vitality has become well known for offering brilliant customer rewards and benefits like their ‘Vitality Apple Watch Offer’. This offer allows you to buy an Apple watch (or other smart watch) for only £39*. This works as a finance agreement (with Etika), but Vitality members who engage fully will not need to pay any monthly costs themselves.

If this reward doesn’t appeal to you, Vitality also provides a range of other offers including free Caffe Nero coffees and free cinema tickets from Vue and Odeon cinemas.

Note: Vitality rewards partners can change over time, so it’s best not to base buying your policy on one specific Vitality reward. You should always prioritise having the right level of cover, even if this means choosing a different insurance company.

*Terms and Conditions apply

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Type of coverVitality Income Protection Insurance
Which policies are available?Income protection insurance (single life)
Income protection insurance (joint life)
What are the payment options?Guaranteed (fixed) payments that never change
Increasing payments if you choose to add increasing (indexed) cover to your policy
What are the cover options?Short term income protection (can claim for either 12, 24 or 60 months at most)
Long term income protection (can claim for 5 years, or the end of policy term)
Can I buy increasing cover?YES – Vitality customers can choose to have increasing cover, to protect policies against higher costs in the future due to inflation
Includes Waiver of Premium?You can add Waiver of Premium benefit for a small extra cost.
What are the policy term options?Your policy must last for a minimum of 5 years.  
Your maximum policy term will be based on your age when you apply for your cover.
How much will my policy pay out when I claim?The amount of cover that will be available for you will depend on your exact job role and usual income.  
Vitality can guarantee your claim payments based on your income when you apply (up to £1,500).
 This is helpful for those who are self-employed where monthly income can vary.  
What are the deferred (waiting) period options?You will need to wait for a set time period between your sick leave starting and your Vitality policy pay outs beginning.   The main waiting (deferred) period options for Vitality members are:  

7 days
4 weeks
12 months
24 months
60 months
Are there any policy exclusions?Vitality will only pay out if you are no longer receiving sick pay (workplace scheme or Statutory Sick Pay/Employment Support Allowance)  
You can’t buy Vitality income protection if you are on a zero hour contract.  
There may be specific exclusions applied to your policy based on your own situation (e.g. can’t claim for a pre-existing condition)
Are there any additional benefits included with my policy?YES – You will have access to a Vitality Recovery Benefit to support you in returning to work.  
This includes access to physiotherapy, counselling, CBT and more.  
You also have a Guaranteed Insurability Option, allowing you to increase your cover if needed after a significant event e.g. getting married or having a child.  
You also have the option to add on Children’s Serious Illness Benefit (critical illness cover) for an extra cost.

To apply for Vitality income protection insurance, you will need to have been registered with a UK GP for at least 2 years.

Our independent insurance specialists have created the table below to highlight the main pros and cons of Vitality income protection insurance.

ProCon
Can potentially save £100’s per year by taking advantage of Vitality rewards and discountsNeed to fully engage with the Vitality programme to benefit from all the customer rewards and discounts
Comprehensive and flexible policies available to suit different customers (Defaqto 5 Star rated)The cost of your policy can increase if you don’t engage with the Vitality Healthy Rewards Programme
Can take advantage of multi product discounts to save money if you need other policies (e.g. life insurance, critical illness cover)Other insurance companies might be cheaper or more suitable for you based on your own situation

The cost of Vitality income protection insurance will vary between each customer. This is because Vitality will decide on the cost of your policy based on things like your age, job role, smoker status, and medical history.

Our independent insurance experts have compared quotes for Vitality income protection insurance for customers of different ages. Based on these figures, the average cost of Vitality income protection insurance is around £22.92 per month.

Our experts previously found that the average cost of income protection insurance in the UK is around £15 – £20 per month, so Vitality’s average price is only slightly higher than this. Vitality does also provide a lot of rewards compared to other companies, which is something that is worth thinking about when looking at prices.

The actual price that you pay could be different to the average cost, based on your own situation. Vitality has minimum costs for their policies too, so you will pay at least £5 per month (or £60 per year).

Short term income protection: Pays out £1,000 per month for 12 months (employed)

Age of applicantCost per month (£s)
Age 25£5.93
Age 30£6.88
Age 35£8.45
Age 40£10.86
Age 45£14.60
Age 50£19.43
Age 55£28.58

Short term income protection: Pays out £1,000 per month for 24 months (employed)

Age of applicantCost per month (£s)
Age 25£6.31
Age 30£7.38
Age 35£9.39
Age 40£12.82
Age 45£17.95
Age 50£28.95
Age 55£34.71

Short term income protection: Pays out £1,000 per month for 12 months (self-employed)

Age of applicantCost per month (£s)
Age 25£11.46
Age 30£13.52
Age 35£18.21
Age 40£25.27
Age 45£32.09
Age 50£44.55
Age 55£66.29

Short term income protection: Pays out £1,000 per month for 24 months (self-employed)

Age of applicantCost per month (£s)
Age 25£11.57
Age 30£13.65
Age 35£18.39
Age 40£25.60
Age 45£32.40
Age 50£49.90
Age 55£66.89

Note: All the quotes above are based on example customers with no pre-existing medical conditions. If you have a medical condition or high-risk job role, this can affect the price of your cover.

It can be helpful to know which number to call if you are having issues with your Vitality policy or your Vitality rewards. There are different numbers for Vitality Health and Vitality Life customers so we have listed the main contact details for Vitality Life below.

Vitality life insurance contact number (advice)

Telephone – 0800 009 6559

Opening hours – Monday – Friday / 8am – 7pm

Vitality life insurance contact number for existing customers

Telephone – 0345 601 0072

Opening hours – Monday – Friday / 8am – 7pm

Vitality life insurance member zone support

Telephone – 0345 602 3523

Opening hours – Monday – Friday / 8am – 7pm / Saturday 9am – 1pm

To claim on your Vitality income protection insurance, you should contact Vitality as soon as you know that you will be signed off work by your doctor. You can start your Vitality claim by contacting Vitality directly to let them know that you can no longer work as normal.

The way that Vitality claims work will depend on the ‘incapacity definition’ that Vitality offered you in your original policy documents. This is how Vitality assesses your ability to work as normal based on your illness or injury. The definition that you have can vary depending on things like your specific job role.

Vitality will assess whether your claim is valid based on 3 set definitions which are:

  • ‘Standard’ definition: This means that your illness or injury prevents you from returning to your usual job role and there are no reasonable changes that can be made to make this possible
  • ‘Special definition’: This would be where for your first 12 months of claims, you receive the full payment amount based on the standard definition above. After 12 months, you will be reassessed to see if you should still receive the full amount or if this will reduce to 50%.
  • Activities of daily living’: This means that Vitality will assess your claim based on your ability to perform a specific set of everyday tasks to see how well you can look after yourself

The amount of money that you receive when you claim may be affected by any additional income that you are receiving at the time.

Does income protection actually pay out with Vitality?

Income protection insurance will pay out in most cases, and Vitality has a high rate of claims pay outs.

According to Vitality, they paid out for 96.6% of new claims that they received in 2022, with 75% of these claims coming from income protection insurance customers. Most claims were for musculoskeletal issues (34%), followed by cancer (29%) and then mental health (14%).

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

You will need to get in touch with Vitality directly to cancel your income protection cover. Many people wrongly think that they are tied in once they buy this sort of policy, but you can cancel whenever you want to.

You can contact Vitality’s usual customer services to let them know that you wish to cancel your cover. The only other thing that you will need to do is to cancel your Direct Debit with your Bank or Building Society, so that you don’t get charged again accidentally.

If you experience issues with your Vitality insurance plan or with Vitality themselves, you are always entitled to complain. You should contact Vitality with details of why you are complaining and any suggestions on how your complaint can be resolved.

Vitality aims to resolve all complaints within 8 weeks, and ideally as soon as possible. If it is taking longer than this to deal with your complaint or you aren’t happy with the outcome, you can contact the Financial Ombudsman Service (FOS) for support.

Note: Vitality publishes all their complaints date online, so that anyone who is interested can see the number of complaints that are received.

Vitality complaints contact details

Telephone – 0345 601 0072

Opening hours – 9.00am – 5.00pm Monday to Friday

Email – lifecomplaints@vitality.co.uk

Other general complaints

Email customer_support@vitality.co.uk (complaints about renewing or cancelling your plan)

Email CustomerRelations@vitality.co.uk (complaints about claims, invoices, Vitality partners or rewards)

Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Emailcomplaint.info@financial-ombudsman.org.uk

How much does it cost to join Vitality?

You aren’t charged a fee to join Vitality and the cost of your membership will be the amount that you pay each month for your insurance.

To join Vitality and benefit from their rewards scheme, you must buy one or more of their insurance policies. This doesn’t need to be income protection insurance, as they sell other policies like life insurance and critical illness cover too.


Does Vitality cost money?

Many people mistakenly believe that Vitality are a health and lifestyle brand which you can pay for to receive benefits. You will have to pay for Vitality rewards, but this will be in the form of your monthly insurance premiums.


What are the disadvantages of income protection insurance?

The main disadvantage of income protection insurance is that it won’t pay out in every situation. You may not be able to claim for sick leave related to a pre-existing condition (a medical condition you had before buying your policy).

Your policy also won’t pay out instantly in most cases, as you will have a deferred (waiting period) attached to your policy. This can be as little as 7 days for some policies, but you might have to wait a few months between starting your claim and your policy starting to pay out.

There are a couple of ways to buy Vitality income protection insurance, so you can choose the way that is most convenient. If you are confident that Vitality is the right company for you, you can apply to them directly online or over the phone.

If you need some extra advice and support, many consumers find it useful to apply through an experienced insurance broker. An income protection insurance expert can compare prices and policies across the market, to make sure that Vitality is the best fit for the policy that you need.

For free and friendly advice about income protection insurance, you can call our experts on 0800 009 6559 or CLICK HERE to fill in our online form.

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Is it worth having income protection insurance?

Income protection insurance can be extremely useful and very important for anyone who is unable to work due to sickness or an injury (e.g. from an accident, sports, work etc.). Essentially, income protection insurance pays out monthly to replace any lost earnings while you are unfit or unable to work.

Payments for income protection insurance can be used to pay your mortgage, rent, other credit commitments, food bills, utilities and other regular outgoings.

Common myths about income protection insurance:

  • Income Protection Insurance won’t pay out
  • Statutory Sick Pay (SSP) from the government will cover me
  • The cost of Income Protection Insurance is high
  • People with medical conditions can't have Income Protection Insurance
  • My employer will help support me
What does income protection insurance cover?

As a rule of thumb, income protection insurance will pay out a regular monthly tax-free payment to you if you can’t work and you are signed off by a doctor. You will need to provide supporting evidence from a medical professional such as your GP and proof of income from your employer or accountant.

Example: Sarah was involved in a car accident which resulted in a serious back and neck injury that prevented her from being able to drive for 6 months. She was able to claim on her income protection policy after 4 week for the remaining 5 months until she was able to move and drive again. She would also usually be able to claim for rehabilitation and physiotherapy to help her to return to work as planned.

Do I need income protection insurance for a mortgage?

Income protection insurance and mortgage life insurance are not compulsory for getting a mortgage in the United Kingdom. Some mortgage lenders might ask for you to get insurance as a condition of the mortgage offer in some circumstances but this is rare.

It is strongly recommended to have insurance to protect you and your family if you have a mortgage and other credit commitments. If you consider what the financial impact would be if you were unable to work due to accident, sickness or injury, and even if you were to die.

Most common mortgage protection insurance policies:

  • Buildings insurance
  • Mortgage life insurance
  • Income protection insurance
  • Critical illness insurance
  • Mortgage payment protection insurance (Accident, Sickness & Redundancy
Is income protection insurance tax free?

Payments from an income protection insurance claim are almost always tax-free, apart from some business income protection policies. This is because you pay tax on the premiums for personal income protection insurance at source (i.e. the premiums are paid from your net monthly salary).

The same applies to life insurance premiums and payouts, effectively you have already paid tax on the premiums that you have paid. There are some other possible tax implications that may apply in certain circumstances so you should seek proper advice or guidance if you have any specific questions.

Which is the best income protection insurance UK?

It’s very difficult to say overall which income protection insurance policies or providers are the best, simply because there are so many different options and types of cover. You can get income protection insurance from an even wider range of insurance providers than life insurance, so your choice is even greater.

The most common income protection insurance policy is:

  • Short term income protection insurance (24 months)
  • 4-week deferred period (pays out after 1 month of absence)
  • Guaranteed premiums (fixed premiums)
  • Underwritten income protection insurance

There are several other cover options for income protection insurance (e.g. long-term, age rated, reviewable premiums, guaranteed acceptance and 0 weeks to 12 months deferred periods).

The top 5 income protection insurance providers according to research by Defaqto are:

  1. Aviva (Trustpilot score: 4.0 out of 5.0)
  2. British Friendly Society (Trustpilot score: 4.1 out of 5.0)
  3. LV= (Trustpilot score: 4.5 out of 5.0)
  4. Royal London (Trustpilot score: 4.0 out of 5.0)
  5. Shepherds Friendly (Trustpilot score: 4.3 out of 5.0)
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Our Mission

At iaminsured.co.uk, we believe in much more than just insurance policies; we believe that everyone is unique and should be treated with the fairness that they deserve. We also believe in providing the very best financial protection, and giving you peace of mind to continue with your busy life without the stress or worry of what might happen.

We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

  • 100% online protection solutions
  • Top rated advice from the UK’s leading experts
  • Unique specialist protection services for all medical conditions, occupations and activities
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  • Dedicated to providing the best protection products for all your needs

With nearly three decades of expertise and established with a commitment to excellence in everything that we do. We have been a trusted partner for thousands of families, individuals and businesses, all with one common goal of looking for the best protection solutions.

Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

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