Highly rated by our clients on independent reviews website reviews.co.uk

Highly rated by our clients on independent reviews website reviews.co.uk

Highly rated by our clients on reviews.co.uk

Vitality Life Plan Income Protection Insurance

Income Protection Insurance.  Enjoy 3 Months' FREE cover

Fill in the form on this page with the code BL3MF to qualify for THREE MONTHS’ FREE COVER when you set up your income protection policy with us.

Vitality Income Protection – Introduction

Vitality was founded in 2007.  As a new player in the market, it brought together Discovery (from South Africa) and Prudential under the name of PruProtect.

Having re-branded in 2014 as Vitality, this is an insurer with a difference.  It focuses on the “prevention is better than cure” concept, offering wellbeing and healthy living programmes for its customers.

In a nutshell, Vitality income protection offers discounts on premiums and rewards to those who engage in its fitness and health schemes. Simply put, there are bonuses for healthy living.

In general, their products are easy to understand and jargon-free, which we endorse.

How Financially Strong is Vitality?

Vitality is the product of two very strong insurers, Discovery (SA) and in the UK: PruProtect (Prudential).  This latter was founded over 150 years ago.

They have experienced good growth and are well known for their USPs.

Income Protection Insurance from Vitality.  Your At-A-Glance Guide

In a nutshell, although Vitality does indeed offer strong points of difference in the marketplace, its income protection insurance cover is relatively standard.  However, it provides a whole raft of related benefits which could help you live longer and in better health – if you get involved, of course.

Vitality offers an own occupation definition of capacity, which is very important.  This means that should you need to claim, you will be able to receive benefits to replace the income from your particular way of earning a living, rather than being obliged to find another or a different job.

This insurer operates full medical underwriting.  You will need to disclose all medical information to them as part of your application.  However, you will know what you’re covered for, as well as what’s not included.

With Vitality, you’ll be offered the chance to fix 100% of your monthly benefit.  This will be very useful if your income goes down during the term of your policy.   However, you will need to provide proof of your income when you apply for the policy.

You will also benefit from a Back to Work benefit, which tops up your income if you can’t work full time when you return to work.  This only applies to the first and second months, however.

The maximum benefit you will receive is £16,666 per month which makes this cover suitable for higher earners.

Vitality offers a robust Recovery Benefit, giving you access to services to help get you back to full health. These include therapies and nursing support which they will pay direct to the service provider.

Entry age is as low as 16 years.  This is younger than the normal policy start age of 18.

Remember, we are whole of market insurance advisers, and will be able to offer an unbiased view on all policies, not just those from Vitality.

Overview of Key Policy Details 

Policy Type

Income Protection

Accident and Sickness only

Premium Types

What does that mean?

You can choose your premiums when you take out your policy.

However, your premiums may increase if you add in Vitality Optimiser or Wellness Optimiser.

Maximum Claim Duration Until the policy cease age, or until you return to work.  Short-term policies are also available – maximum 2 years.
Incapacity Definition

Own occupation /Activities of Daily Living/Special Incapacity Definition.

Benefits will be paid in full for 12 weeks for Special Incapacity Definition after which it will be re-assessed.

Deferred Period 1 week or 1 month/ 3 months/ 6 months or 12 months
Indexation Optional
Waiver of Premium Automatically included
Maximum Cover Limited to the lower of 60% of your earnings capped up to £2,500 per month and 50% of earnings about this, OR £16,666.
Minimum Entry Age 16 years
Maximum Entry Age 59 years
Maximum Cease Age 70 years
Guaranteed Insurability

Marriage or civil partnership

Increase in your mortgage

Salary increase

Childbirth or adoption

You can also increase your cover on every 3rd anniversary of your policy start date.

Key Points about Vitality

  • You can increase your premium payment in line with inflation, plus an extra percentage on top for each increase.
  • However, the main aspect to Vitality is its Vitality Plus Programme. In summary, you receive cheaper premiums and other rewards with engagement in this programme.  There are three main options.
    • Vitality Plus. For an additional £5, you can earn points through healthy living, exercise and yearly reviews.  There are discounts on gym membership, fitness gear etc, you’ll benefit from discounts on your insurance premiums, too.
      Your premiums will remain constant if you do not engage with the programme.
      Vitality Plus is always included in whichever programme you choose.
    • Vitality Optimiser. For £3.80 you will receive an upfront discount on your “optimised” insurance policy and lower premiums.  You can also earn points through exercise programmes etc. If you collect enough points you will earn “platinum” status.
    • Premiums will increase if you do not engage with this programme.
    • Vitality Wellness Optimiser. For £3.80, the above applies, but you also earn wellness points if you maintain healthy BMI, blood pressure and blood glucose levels.  You will gain further rewards and reduce your premiums.
    • Premiums will increase if you do not engage.
    • It’s worth re-iterating Vitality’s own occupation definition of incapacity. This means you’ll be able to make a claim under the classification of not being able to carry out your own occupation, rather than any other role.
    • If you live and work outside the UK, you can maintain your policy with Vitality. However, the list of countries is defined. Please refer to Black Lion Insurance for the full list and for restrictions.

Do YOU need financial advice from Black Lion?

If you’re of working age and you support your family financially, then YES, we would definitely advise that you speak to the experts at Black Lion Insurance about income protection.

Should illness strike or you suffer an injury, it’s unlikely that you will be able to work.  May we ask, do you have enough savings to continue paying the mortgage and to cover your bills?

Life is quite expensive, but income protection insurance doesn’t necessarily have to be.  Speak to the qualified team here at Black Lion Insurance for best-in-class advice regarding the most suitable insurance policy for you and your family.

Our aim is to educate our clients as much as we can; we’re completely up to speed with Vitality, and the sort of person (lifestyle, occupation etc) who would suit their cover. In fact, we deal every day with a raft of insurance providers – all the major ones.  And, they’re all quite different.

Here at Black Lion Insurance, we’re here to support you every step of the way.  We can help you to go from zero to hero in the insurance knowledge stakes.  Don’t waste time trying to find the perfect income protection insurance.  Let us do it for you.

We have the negotiation power, the knowledge you need, and the in-depth understanding of this highly important type of insurance to keep you and your family financially secure.

Income Protection Insurance.  Enjoy 3 Months' FREE cover

Fill in the form on this page with the code BL3MF to qualify for THREE MONTHS’ FREE COVER when you set up your income protection policy with us.

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Do you need income protection insurance?

Income protection insurance would be vital to you if:

  • You are self-employed and would not be able to pay the bills if you were unable to work. It would ensure that you would be able to pay your bills if you were ill or injured.


  • You are the sole income provider and would not be able to pay the bills if you were unable to work. As the sole source of income, choosing income protection insurance is the best way to protect yourself and your family financially. Find the best policy for you, to ensure you can pay the bills and monthly outgoings if you suffered an accident or sickness that meant you could not work.

Income protection insurance is important to you if:

  • You are self-employed, and you don’t have a large amount of savings that you are happy to dip into. Consider taking out an accident and illness policy for maximum protection.


  • You are the sole income provider and your employer offers sick pay. Check what level of sick pay you would get from your employer before making a final decision about income protection insurance. Few companies offer long term sick pay beyond the Statutory Sick Pay, so it is important to have all the information in advance.


  • You live in a joint income household but are unsure if your partner would be able to cover the financial responsibilities. If your partner’s salary couldn’t cover the bills, then it would be worthwhile considering an income protection insurance policy.

How does an income protection insurance policy help when you need to claim?

You stop working due to an accident or illness, and stop earning an income.

You inform us, and we will guide you through the claims process with the insurer.

You will start to receive your monthly payout.

The monthly payout will continue for as long as your insurance policy covers.

What are your policy options?

Short-Term or Long-Term Protection
There are two types of accident and sickness insurance plans.
Short-term plans usually range from 6 months to 2 years. Long-term plans will pay out until you are well enough to go back to work, whether that’s 1 year or 10 years.
Deferred Period
A deferred period, or excess period, refers to the duration of time between stopping working, and when your insurance policy will start to pay out.
This can range from just a couple of days, up to a whole year. The standard length of time for most long-term insurance policies is 4 weeks.
Indexation helps to protect your policy against inflation. Your monthly payments will increase each year, to reflect any increases in costs according to the Retail Prices Index (RPI).
Policy Cease Age
Your insurance policy cease age is how old you will be when the policy will end. This is normally the age you will retire at but could be older.
Maximum Pay-Out Period
This refers to the longest length of time that you can make a continuous claim on your income protection insurance. For short-term policies this could be from anything between 6 months to a couple of years. There are not usually restrictions with a long-term policy. You will receive payments until you are either able to return to work, or you reach your policy cease age.

What affects the costs of your policy ?

Monthly Payout

The higher your monthly payout amount, the higher your policy premium.

Deferred Period

The longer the length of time before your policy pays out, the cheaper your premium.

Medical History

Previous illnesses or injuries may increase policy premiums or be excluded from your cover.

Policy Cease Age

The longer the policy runs, the higher the premium will be.


The older you are, the premium is likely to be higher.

The costs of your insurance depend on various factors.
The more you want to insure for each month, will subsequently increase your premium, as well as the length of the policy and your deferred period.
Your age can also play a role. The older you are, you are seen as more likely to make a claim and so your policy premium will reflect this.
It is important to declare any previous medical conditions or illnesses. Certain disorders may not be covered by your income insurance and others may mean you incur a higher premium.
You will also be asked about your smoking status. Smokers are deemed higher risk resulting in a higher cost for your insurance.

What our clients are saying

Black Lion insurance were great in helping me get through the countless jargon and pitfalls when it comes to setting up insurance. I was thankfully recommended to them by a colleague and they made the process seamless ensuring I have the most appropriate policy for me.

I’m an IT contractor and I wasn’t sure if I was eligible for this cover, however, to my delight, not only could I have the cover, but I could pay it through my Ltd company. I was covered within an hour of getting in contact. Very prompt and informative service!
Sanjay P

Polite and very clear when explaining my product of interest. Happy to answer any questions and recap on areas that I wanted to ensure I understood clearly before committing. Didn’t feel pressured or rushed at any point and the chap was very pleasant.
Donna Rudd

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About Us

We are a dedicated team of financial advisers, with years of experience in guiding our clients to a solution that meets their specific needs. We specialise in helping both employed and self employed individuals, as well as business owners on a variety of solutions, which range from life insurance, income protection insurance, keyman insurance and shareholder protection insurance.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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Black Lion Insurance & Black Lion Wealth are a Trading Style of PRG Protect Ltd

PRG Protect Ltd: Registered in England & Wales, No. 08286239.  Registered Office: 51 The Parade, Cardiff, South Glamorgan, Wales, CF24 3AB