About Vitality income protection

Income protection may pay a regular benefit if illness or injury prevents you from working and the claim meets the policy definition.

Information to verify in Vitality's current documents:

• Eligibility and underwriting requirements
• The definition of incapacity applying to your occupation
• Benefit limits, deferred periods and benefit periods
• Exclusions and disclosure requirements
• Whether premiums are guaranteed or reviewable
• The claims process and evidence requirements

Financial-strength ratings and claims statistics change over time. Check the current rating, reporting period and methodology at the original sources.

Vitality rewards programme

Vitality's rewards and premium adjustments depend on the current programme, eligibility, recorded activity and policy terms. Partners, thresholds, discounts and benefits can change.

• Check which activities qualify and how they are recorded
• Check how status affects the premium now and in later policy years
• Check the cost, eligibility and conditions of any device or partner benefit
• Check what happens if activity or status changes
• Do not assume a future discount or reward will continue unless the current terms say so

Cover and policy terms

The benefit payable depends on Vitality's current product limits, the policy definition and the applicant's eligible income.

• Compare the occupation definition and how long it applies
• Match the deferred period to employer sick pay, savings and other resources
• Compare shorter and longer benefit periods
• Review mental-health, musculoskeletal and pre-existing-condition terms
• Check rehabilitation, proportionate-benefit and waiver-of-premium provisions
• Read cancellation and policy-change terms

A claim is assessed against the policy's definition of incapacity, exclusions, disclosure requirements and the evidence supplied. Check the current claims process at the original source.

Premiums and comparison

Vitality income protection premiums depend on factors including age, occupation, income, health, smoking status, benefit amount, deferred period and benefit period.

Request a personalised quote and compare like-for-like cover, exclusions and policy terms. Treat any rewards illustration separately and verify its current conditions.